Personal liability insurance in Germany

It takes just a few minutes. Cancel anytime.

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Two women with red wine glasses talking to each other in a kitchen and smaller images showing red wine spilled all over a white carpet.

What is liability insurance?

This policy protects you financially from claims due to accidental harm or damage to third parties.

In Germany, where every citizen is legally responsible 
for unintended harm, accidents can get very expensive quickly. That’s why 84% of Germans choose personal liability insurance for financial security and passive legal assistance when such claims arise.

Why choose Feather's liability insurance?

Coins

€50 million coverage

Get full protection for life's biggest accidents, including unintentional property damage, personal injury, asset loss and more.

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Best coverage guarantee

No comparing is needed - we’ll cover any claim covered by other personal liability insurance in Germany (terms & conditions apply).

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Flexible cancellation

Cancel anytime—no questions asked. Forget hidden fees, and stay protected only for as long as you need.

For you and your loved ones
Peace of mind for everyone on a single plan.
€4.94
per month
Get covered

What’s covered?

An orange couch with a hole in the fabric pillow.

Damage to rented or other people’s property

You accidentally scratch the walls or the floors when assembling or moving furniture in your apartment. Keep your security deposit when you move out!

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Key replacement

Lost your keys in the "hole of no return" in front of your door? Personal liability insurance will cover the cost of replacing them!

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Damage caused by small pets

Did your cat scratch the floor or did your parrot destroy your landlord's chair? You are covered for damages caused by small pets, but not dogs. Dogs are covered by dog liability insurance.

Two people playing with a football.

Unintentional damage to others

Accidentally collided with someone during a football game? You're covered for any medical costs or lost wages if they're unable to work.

What isn’t covered?

Window

Broken glass

If there is a broken window, any kind of glass, or a ceramic or induction stove top in your apartment, this is unfortunately not covered by liability insurance.

House

Damage to your own property

Damage to your own belongings or your own home is not covered. Personal items you lend to friends, as well as any damage caused to you or your property by others, are also not covered.

Open lock

Locksmith

If you need to get a locksmith to open your apartment door after losing your key, you'll only be covered for the key, not the break-in.

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Fines and penalties

Any fines and penalties from damages caused by not following the law like crossing the street on a red light is not covered.

Peace of mind, no matter what life throws at you

Quick sign up. Support in English. Easy claims.

Get covered

Why Feather?

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95,000 happy customers

Experience peace of mind with insurance crafted by expats, for expats.

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22,000+ claims processed

Fast and reliable service to get your money back in days, not months.

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4.8 Star rating

Over 1,700 reviews can't be wrong.

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English-speaking support

No need for translations—our team speaks your language.

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All digital

Sign up, file claims, and manage your policy within our app.

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Privacy first

We store your data in Europe; it remains private, secure, and GDPR compliant.

Frequently asked questions

See our FAQ page for more answers.

Ready to sign up?

Get liability insurance