Liability insurance, explained
In Germany, if you accidentally damage someone else's things or hurt someone, you can be personally liable for the cost. Private liability insurance (Privathaftpflichtversicherung) pays for this. It isn't required by law, but most people in Germany have it and many landlords like to see it.
What it can cover
Lost apartment key
In buildings with a master key system, replacing locks can be very expensive. Check that your policy covers lost keys.
Damage to someone's things
You knock over a friend's laptop or phone.
Accidents you cause
You hurt someone while cycling, for example.
Rented flat damage
Some damage to your rented room or flat — check what's included.
It doesn't cover damage to your own things — that's household contents insurance (Hausrat).
Before you choose, check
- Does it cover lost keys, including master/building keys?
- Does it cover damage to rented property?
- Is the service and contract available in English?
- Can you cancel monthly or only yearly?
- Is there an excess (Selbstbeteiligung) you pay yourself?
English-friendly providers
Getsafe
- Sign up in an app, in English
- Monthly cover you can cancel
- Claims handled online
Feather
- English-speaking service for expats
- Online sign-up and claims
- Also helps with health insurance
Prices and cover change — always read the policy terms. Some links may become partner links that support Academic Path Germany at no extra cost to you; this never changes our guidance.
Next: find a room or sort out health insurance.