No, we are talking about property owners who own the house, not residents who rent the apartment or house.
I already mentioned that I´m a property owner and talk about insurance issue.
Every Insurance Expert look around building site to see either it´s safety or not before we move in. It´s voluntarily to order Expert because we want make sure that our house is protect and safety. I´m not only one but every deafies and hearing, too. We (all) consider as safety for our future when the happened comes. The insurance do not force us to insure anything (household, etc.) and suggest the safety. It´s our problem to lost our insurance rights if we ignored. Example about old tree close to house... Insurance suggested the owner to cut the tree off to protect their house against storm or pay extra insurance if they want to keep tree. It´s their problem if they reject to pay extra insurance to keep the tree when it happened to their house thru storm.
It´s obligation due German law to insure property insurance for the case (explosive, fire, damage thru plane, flood, windstorm etc. etc. etc.) no matter either you paid off your house mortgage or not. What happened to your mortgaged-free house one day if you dont want to have property insurance? It mean that you lose everything to storms, floods, etc and then loan again and re-mortgaged....
That´s why German law fix for property insurance on every property owners.
For household insurance is a voluntarily. You dont have to insure but what if intruder break in your house to rob your things?