Oops! Dropped a phone? Spilled water? Liability costs in Germany can be €10,000+. Private Liability Insurance for Indian Expats.
Perspnal Liability insurance
Essential Protection in Germany
A private liability insurance (also called personal liability insurance) is one of the most important protections you can have while living in Germany.
Accidents can happen in seconds – and a small mistake may cause serious damage to someone else’s property or, even worse, to their health.
Private liability insurance covers: ✔️ Personal injuries you accidentally cause
✔️ Damage to another person’s property
✔️ High compensation claims, even in the million
✅ With private liability insurance, you’re protected – it covers the costs and gives you financial peace of mind, no matter what happens.
LIABILITY INSURANCE
✅ What’s covered?
Why it matters
- In Germany you’re personally liable — even for accidents.
- A small mistake can cost thousands; severe injuries can reach millions.
- Liability ≠ household insurance: liability pays for damage to others.
💡 Especially important for
- Families with children
- People living in rented apartments
- Newcomers unfamiliar with German rules
- Students, professionals and freelancers
💬 Customer Reviews
❓ FAQ – Private Liability
What does it cover?
Damage you accidentally cause to other people or their property. High compensation claims covered up to the policy limit.
Are lost keys included?
Often yes (as an option). It can include costs for replacing apartment or company locks.
Does it cover my own belongings?
No — that’s what household (Hausrat) insurance is for. Liability covers others.
How much does it cost?
Many strong tariffs start around €3–6/month depending on options.
Independent advice · English support · Fast enrollment
THE OPTIMAL SUM INSURED:
You will do well with your private liability insurance if you have property damage covered for 20 million euros and rental property damage for 20 million euros. To cover severe damage, the sum insured for property damage and personal injury should also be at least 20 million euros.