Personal Liability Insurance (Privathaftpflicht)
In Germany, you are personally liable without limit for damage you cause to others. Whether you break someone's phone, hit a pedestrian on your bike, or flood your neighbor's apartment — this insurance covers all the costs.
1. What is it and when do I need it?
- •Purpose: The insurer pays out to third parties for accidental material or physical damage you cause.
- •Deadline: Take out the insurance on the very first day after arriving or right after moving out on your own.
2. How much does it cost and where to get it?
- •Price: Around €40–70 per year (about €5 per month).
- •Where: Online via comparison portals (Check24, Tarifcheck) or directly with insurers (Allianz, HUK-Coburg, GetSafe).
3. What to check (Checklist)
- Choose a family rate (Familientarif) if you are married — it covers both partners
- Make sure the coverage amount (Deckungssumme) is at least €50 million
- Check for the "Forderungsausfall" option (in case someone damages you but can't pay)
4. Common mistakes
Achtung / Warning: The biggest mistake is thinking "I'm careful, nothing will happen to me." Without this insurance, a single accident can lead to bankruptcy.
5. Next step
Your personal liability is covered. Now consider protecting the valuables inside your apartment.
👉 Go to next step: Contents Insurance (Hausrat)