Personal liability insurance (private Haftpflichtversicherung) pays when you accidentally damage someone else's property or injure someone: a flooded bathroom that leaks into the flat below, a dropped laptop that belonged to a friend, a cyclist you knock over. It isn't compulsory, but claims in Germany can be large, and many landlords expect tenants to have it.
The common policies
| Policy | Covers | Worth it if |
|---|---|---|
| Personal liability (Haftpflicht) | Damage you cause to other people or their things | Almost everyone. It's among the cheapest policies. |
| Household contents (Hausrat) | Your own belongings, for theft, fire and water damage | You own things that would be expensive to replace. |
| Legal expenses (Rechtsschutz) | Lawyer and court costs in disputes with a landlord or employer | You want cover for tenancy or employment disputes. Most policies have a waiting period. |
| Dental (Zahnzusatz) | Costs public health insurance only partly covers | You expect dental work beyond check-ups. |
Get covered with Feather
Personal liability insurance
From a few euros a month, in English, cancellable monthly.
Go to FeatherDental insurance
Tops up what public insurance pays for dental treatment.
Go to FeatherTrack Supplemental Insurance in HomeSettled
HomeSettled keeps the policies you've chosen in one place.
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Sources
Rules and amounts change. Check the official source before you rely on a figure.