Liability Insurance (Haftpflichtversicherung) in Germany, why expats need it #

While liability insurance (Haftpflichtversicherung) is not legally mandatory in Germany, it’s one of the smartest and most affordable insurances you can get. For just a few euros per month, you’re protected from financial risks caused by everyday accidents.

What does liability insurance cover? #

With liability insurance, you’re protected against high costs if you accidentally cause damage to people or property. Coverage typically includes:

• Property damage: e.g scratching someone’s car, spilling wine on a laptop
• Personal injury: e.g someone trips over your bag and breaks a leg
• Rental property damage: e.g damaging walls, floors, or furniture in your flat
• Lost keys: e.g some policies cover replacement costs for lost apartment or office keys

Why Expats should get liability insurance? #

• Saves you from paying thousands of euros in damages out-of-pocket
• Coverage for everyday accidents, even small ones
• Many landlords ask for proof of liability insurance when signing a rental contract
• Costs less than €5/month

Recommended liability insurance providers in Germany #

• Feather – Easy online sign-up, English customer support, tailored for expats
• Getsafe – App-based insurance, flexible cancellation, affordable monthly plans

Pro Tip: Many landlords even ask for this when signing a rental contract – definitely worth having.

See our guide on health insurance in Germany