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LIVING IN AUSTRIA

The downsides of Vienna you should be aware of before moving there

There's no lying: Vienna is a great city to live in; it often tops world quality of living rankings, and for a good reason. But there are certain downsides that you should know about.

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Vienna is big touristic destination also during summer months (Photo by Anton on Unsplash)

Vienna is a beautiful, multicultural city. There is plenty of history, beautiful architecture, many green areas and everything is nicely connected with its public transport – available for as little as one euro a day for residents who purchase the yearly ticket.

The Austrian capital is constantly topping rankings of best cities to live in, and it’s affordable too, especially when considering the rental prices not only for other European capitals but even inside of Austria.

Saturated markets make it tough for renters in touristic cities such as Tyrol and Salzburg.

However, not all is perfect in the imperial city. Here are a few things you should know when moving to Vienna.

It’s not known for its friendliness

While Vienna ranks top for the quality of life, it has also shown up in international and expat ratings as the world’s “least friendly city”.

The Viennese grumpiness is famous even among Austrians, and if you bother a local, they will let you know. However, people are also very private and extend the courtesy of giving you your privacy, which can be confused as being unfriendly.

It’s also not easy making friends with the locals, especially if you arrive in the city not knowing anyone to help bridge that connection.

Housing can be expensive – and very difficult to find

Affordable housing is one of the advantages of living in Vienna, but that can be tricky. The ridiculously low rents you hear of are usually because of either state housing, very old contracts, or both.

People who are just moving into Vienna usually can’t benefit from either offer and will end up with much higher rent or taking forever to find an affordable place.

READ ALSO: Property: How to find a rental flat when you arrive in Austria

Making matters worse, the moving-in costs are very high in Austria’s capital. You usually pay two to three (sometimes more) months’ rent as a security deposit, for example.

You might also be asked to pay for an Ablöse, which could include furniture or reparations that a previous tenant made to the house.

Finally, first rent is paid upfront, so it’s not uncommon for people to spend almost a year’s worth of rent before ever setting foot in a new place.

READ ALSO: Renting: Austria to scrap brokerage fees from 2023

That’s not even counting the costs of furnishing a new apartment or paying for bills such as heating and electricity.

They speak German, sort of

Well, duh. Austria is a German-speaking country. Although learning new languages is always a positive thing, German has a well-deserved reputation for being very difficult.

Between the different cases or learning if an inanimate object is masculine, feminine, or neutral, it can be difficult.

Although most Austrians, especially in Vienna, can speak English, they are not known to willingly do so. Many expats have tales of when their Austrian acquaintances decided “they should’ve learned German already”.

When you finally do learn a bit of the language, you also realise that not only Austrian German is different from the Hoch Deutsch you might learn in a course or an online app, the Viennese also have a particular dialect that, while it’s not nearly as complicated as Vorarlberg or Tyrol regional accents, presents its challenges as well.

READ ALSO: These eight words show just how different German and Austrian Deutsch can be

You might get by with English or a broken version of German for a very long time in Vienna, though, but it won’t be pleasant. And, as mentioned, the Austrians will let you know you are not doing well enough.

Xenophobia and racism

There is no going around this: despite being a fairly historic multicultural city, Vienna still suffers from cases of xenophobia and racism.

The civil group Zara, which works to dismantle racism in Austria, received almost 2,000 reports of systemic racism in 2021. These are not just the countless instances of people suffering in their daily lives with comments and actions in the streets, but allegations of systemic racism, including cases within the Viennese police.

Almost every single foreigner in Vienna will have stories ranging from them being told they were “good immigrants” to cases of physical violence.

(Here’s a link where you can find counselling centres for racism cases)

Smoking

Austria, and Vienna in particular, is a smoker’s paradise. Only recently has smoking been banned in indoor public areas (and there are still groups trying to bring it back), and people are still very much into it.

You will smell it everywhere, at any time. Taxi drivers smoke inside their cars (though not with you in them anymore), doctors will smoke just outside your door before a house call, parents smoke in children’s parks (some of them even had to add “no smoking signs”), and people still smoke inside their homes with all windows closed – it’s a cold country after all.

And speaking of which…

The weather is insane

Obviously, Austria has cold winters; after all, skiing is the national sport.

But Vienna is a big city, you won’t see beautiful mountain snow scenery here. Instead, there will be Gatsch, that muddy snow that has the power to ruin your day.

Or your endless night, since the Viennese winter is famous for being long and grey, with very few sunny days.

As for summers, they are hot. Extremely hot. The I’m-getting-scared-about-global-warming type of heat. Many Viennese skip town (and country) altogether, especially as heatwaves become more common in Europe.

Bureaucracy and taxes

This can be challenging. Even though Vienna aims to be a more welcoming city for businesses, with expat centres offering free advice to startups, the whole country is founded on bureaucracy.

Things need to be done by mail (even when you want to go online, your government-issued password will arrive in the good old post), most government workers are not even allowed to speak English with you and sometimes reading about Austrian laws and regulations feels like walking into an unbeatable maze.

And then there are taxes.

EXPLAINED: What is Austria’s church tax and how do I avoid paying it?

One of the reasons why Austria can afford such an extensive social system (and it is good: from public transport to social housing, parks, and the many social payments) is precisely because you pay a lot in taxes.

If you are a self-employed person without a company to pay its part into the system, then, well, be prepared to pay up. Social security payments can eat up almost a third of your earnings, and then you’ll still have to pay income taxes.

A small-town vibe

Don’t ever say this to an Austrian, but if you come from a country with big cities, even the capital Vienna (six times larger than Austria’s second most populous city Graz) can feel like a small town.

There are entertainment options, but nothing compared to European metropolises like Paris, London, Berlin or even neighbouring Budapest. New restaurants and bars are not easy to come by, and, notoriously, the country closes down on Sundays (and after work hours).

Since shops and supermarkets are not allowed to open on Sundays, even the busiest commercial streets seem like ghost towns during those days.

READ ALSO: Everything you need to know about supermarkets in Austria

Austrians will fiercely tell you this is part of their defence of the quality of life, that workers are entitled to a day off, and that Sundays are for families or going outside. But when you are left with an empty fridge on a Sunday morning, that can be tough to swallow.

It is still worth it

Despite all of this, Vienna is still one of the best cities in the world to live in.

It might be hard to make new Austrian friends, but they will be lifelong adventure partners once you do. Finding a place downtown might be tricky, but you can also look around all over the city because the public transport is so good and Vienna so safe that there are really no bad neighbourhoods.

Once you start learning German, it’s easy to see how much fun the language can be. I mean, it’s a language that calls a hospital a “sick house”, an ambulance a “sick car”, a nurse a “sick sister”. It’s like playing with Lego blocks and building something unique. Or being ridiculously specific and describing a feeling like wanderlust or fernweh.

It’s also a multicultural city. About a third of its residents are foreign-born or with a “migration background”. Walk the streets of Vienna, and you will hear languages and see people from all over the world.

READ ALSO: Six of the best things to do in spring in Vienna

The weather is crazy, but nobody enjoys each and every season quite like an Austrian. The city is wholly theirs, and there are several options (free, outdoors, in nature) to enjoy yourself all year round. The small-town vibe makes it so that you can recognise your neighbours, you can ride all over town and enjoy every part of the city or, of course, hop on a bus or train and be in a different country in minutes.

There’s no redeeming quality when it comes to all the smoking or the bureaucracy (and, of course, the racism) though – so, sort these out already, Vienna!

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LIVING IN AUSTRIA

‘Haushaltsversicherung’: How does Austria’s home insurance work?

'Haushaltsversicherung' is one of Austria's most popular types of insurance. It is not mandatory, but it is certainly worth evaluating, especially as it comes with many possible add-ons.

'Haushaltsversicherung': How does Austria's home insurance work?

Austrians are certainly obsessed with insurance coverage, and one of the most popular and common ones is known as the “Haushaltsversicherung”—if you don’t have it already, you have certainly heard of it. Here’s what you need to know about household insurance.

Firstly, this insurance covers damages to “all movable objects within your own four walls,” as Austria’s Chamber of Labour (AK) explains. This includes furniture, carpets, and electrical appliances. It would also cover damages caused by fire, storms, water, burglary, and glass breakage. 

Certain types of insurance, such as private liability insurance or mandatory dog liability insurance, are almost always combined with household insurance—another reason why the Haushaltsversicherung is so popular in Austria.

READ ALSO: What kind of insurance do I need to have in Austria?

However, there are enormous differences in premiums and benefits, so experts suggest you check precisely what you need before taking out insurance. The AK also says you should talk to an insurance advisor to learn more about your specific case and needs, particularly if you have any valuables in your home. 

Additionally, they said: “It makes sense to check your policy every few years to ensure that you are properly insured. This guarantees that the sums insured and the risks included are up-to-date and sufficient”.

What should I keep an eye on when reviewing policies?

Of course, different companies have their own offers, and they are often highly customisable to fit your apartment and lifestyle—some things you need to be aware of, though.

Certain policies are tied to the size of your apartment, while others will have a lump sum regardless of the size of your place. Policies also usually differ depending on whether you live in an apartment or a house. 

While most insurance will cover glass breakage (such as when a hail storm breaks your window, for example), some might have it as an add-on (wahlweise mit Glasbruch). 

You may also add other types of insurance to your household insurance, the most common being mandatory dog liability insurance (Hunde-Haftpflicht), legal insurance (Straf-Rechtsschutz), and sports insurance.

READ ALSO: Should I take out insurance before skiing in Austria?

It’s worth it to read each policy, but you should know some common clauses beforehand. For example, insurance often won’t cover burglary costs if your house has not been properly secured and locked. This might seem obvious, but since door knobs don’t open from the outside without the key, people often leave their homes, especially for short errands, and don’t lock the doors all the way. Insurance and safety experts recommend you get in the habit of locking your home doors.

It’s also important to check if your insurance will pay you “Neuwert” or “Zeitwert” in case of damage. 

A Neuwert means the insurance will pay for a replacement object, regardless of how old the stolen or broken one was. However, many insurance policies still contain the so-called “Zeitwert”, something like “current value”, so you wouldn’t receive an amount that could pay for a new product. Instead, a loss of value of around 10 percent per year could be expected for most objects.

What should I do if there is damage to my home?

If you see any damage to your home from burglary, accident or other types, you need to notify your insurer immediately and report the damage you have suffered. 

The insurance conditions usually stipulate a maximum period of three days for reporting a claim in property insurance. The Chamber of Labour also recommends that you send a written notification of the claim (preferably by registered mail, they add).

“Make a list of all items that have been destroyed or lost and enclose it with your report to both the insurer and the security authorities”, they said. And, of course, in the event of fire burglary or robbery, always inform the fire department or police authorities.

READ ALSO: EXPLAINED: The Austrian insurance for if you get sued – or want to sue someone

How long does the insurance last, and how much does it cost?

The insurance term is usually specified in the counteract. In general, though, you can terminate it after the third year with one month’s notice if the contract has not already expired.

If you move house or move abroad, you can terminate your household insurance contract. You can cancel the insurance the day before the move begins (preferably by registered letter).

If you do not exercise your right of termination, the insurance will remain valid during the move and in the new home.

Regarding prices, they can be as low as a few euros a month (such as insurance specifically tailored to students living in shared flats) to several hundred a month if you have a large place with plenty of valuables or include several add-ons. 

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