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.
Get full protection for life's biggest accidents, including unintentional property damage, personal injury, asset loss and more.
No comparing is needed - we’ll cover any claim covered by other personal liability insurance in Germany (terms & conditions apply).
Cancel anytime—no questions asked. Forget hidden fees, and stay protected only for as long as you need.
You accidentally scratch the walls or the floors when assembling or moving furniture in your apartment. Keep your security deposit when you move out!
Lost your keys in the "hole of no return" in front of your door? Personal liability insurance will cover the cost of replacing them!
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.
Accidentally collided with someone during a football game? You're covered for any medical costs or lost wages if they're unable to work.
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.
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.
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.
Any fines and penalties from damages caused by not following the law like crossing the street on a red light is not covered.
Quick sign up. Support in English. Easy claims.
Get coveredExperience peace of mind with insurance crafted by expats, for expats.
Fast and reliable service to get your money back in days, not months.
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No need for translations—our team speaks your language.
Sign up, file claims, and manage your policy within our app.
We store your data in Europe; it remains private, secure, and GDPR compliant.
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