Personal liability insurance in Germany

Yes, you’re eligible for personal liability insurance if Germany will be your main place of residence. You don’t need a permanent address to sign up immediately, and your coverage extends worldwide.

Liability insurance isn't automatically required for everyone by law, but it is sometimes required by landlords when applying for an apartment. Around 85% of Germans have some form of personal liability insurance, so it's definitely seen as a must-have for life in Germany.

There is one exception, however: if you own a drone, you are required to cover it. Feather's personal liability insurance also meets the legal requirement for drone cover. You can find more details here.

You can also buy liability insurance for your dog. This is required in 7 German states, and highly recommended in the others. Dogs are not covered by personal liability insurance, but rather by dog liability insurance.

Yes, liability insurance in Germany is worth it if you want peace of mind knowing that any damage you might cause to someone else's person or property would be covered in full. Because so many people have liability insurance, it only costs about as much as a coffee per month.

No, there are no deductibles or copays with this policy.

Yes, there are some cases where the insurance company may be limited in its coverage. These include a €20,000 limit on damages to a borrowed motor vehicle due to misfuelling and a €5,000 limit on damages to an employer or colleague's property.

You simply submit all appropriate documents or images (photos, police reports, hospital bills, invoices, etc.) to your Feather account. After that, we will process your claim.

Both of these refer to the same type of liability insurance offered on this page.

Yes, you have worldwide coverage.

No. As long as you have a valid claim, you can use your liability insurance to cover it right away. Just keep in mind that any instances which occurred before taking out the policy will not be covered.

Yes. Immediately after getting signed up, your liability insurance becomes active and ready to protect you against any accident or fault.

There are no minimum period or cancellation requirements. Simply sign in to your account and click "cancel". Your policy will then expire on your next billing date.

Personal liability insurance only covers private matters — it does not protect against work-related risks. Some part-time freelance activities can be covered under specific conditions.

Apart from this, professional liability insurance is currently offered only for companies or freelancers based in the EU outside of Germany or Austria. The product can be found on the respective country pages.

Who is covered depends on the plan you choose:

• Single (€4.94/month): Covers you alone.

• Partner (€6.58/month): Covers you and your partner (no marriage required, but you must live in the same household).

• Kids & Family (€8.94/month): Covers you, your partner, children living with you, and dependent parents residing in your home or a German retirement facility.

It's not required by law, but most students either have their own policy or are sometimes still covered by their parents' policy.

Many landlords and shared flats (WGs) ask for it, and it covers everyday accidents that could otherwise be very expensive, like losing the key to your student residence building or spilling a drink on a flatmate's laptop.

You don't need a permanent address to sign up.