Protect Your Family in Germany
In Germany, you are personally liable for all damages you cause. A single mistake can cost thousands or even millions of euros.
Trusted by over 1,500 Indian families across Germany
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What's Covered by Personal Liability Insurance
Common accidents that liability insurance protects you from
Apartment or company keys. Full lock system replacement covered
Flooding from washing machines or pipes damaging apartments
Accidentally damaging friends' laptops, phones or furniture
Injuries or property damage while cycling or using e-scooters
Scratched floors, damaged walls, broken fixtures in rentals
Damage caused by your children under 18 years old
Why Every Indian Family in Germany Needs This
German liability laws are very different from India
In Germany, you are personally liable for ALL damages you cause to others with NO upper limit. Courts can garnish your salary, seize your assets, and pursue future earnings for life. This is completely different from India where liability is often limited or negotiable.
Children under 7 are not legally responsible, but parents are. One broken window can cost €1,200.
Landlords demand replacement of entire building locking systems. Most common expensive claim.
Germans do detailed move-out inspections. Any damage not documented becomes your liability.
Serious injuries can result in lifetime payment obligations.
Our 3 Best Offers for Indian Families
Independent broker selection from top German insurers
All prices are examples for a family (2 adults + children) with €150 deductible. Your exact price depends on your age, location and chosen options.
Why Work With Us as Your Broker
We are independent insurance brokers who work for you, not the insurance companies. We find you the best deal and help you navigate the German insurance system in your language.
What Indian Families Say About Us
Real experiences from families we've helped
Our son broke the landlord's glass door. The broker helped us file everything in English and the claim was settled in 3 days. We didn't pay anything.
Lost my company keys in my second week at work. Claim approved in 2 days with support in Hindi. Such a relief during a stressful time.
Everything in English made such a difference. The app is simple and claims are fast. Finally insurance I understand completely.
Common Questions
▶ Is this really necessary? We're very careful people.
Yes, absolutely. German liability law is very strict. You are personally liable for ALL damages you cause, even by accident, with no upper limit. Being careful is great, but accidents happen to everyone. Just one serious accident can cost your family's entire savings. For €6-9 per month, you get protection up to €50 million.
▶ Why are lost keys so expensive in Germany?
If you lose your apartment key, the landlord can legally demand replacement of the entire locking system for security reasons. This isn't just your door but all doors in the system, sometimes the whole building. The total easily reaches €3,000 to €8,000. For company building keys, it can be €10,000 or more. This is the single most common expensive claim among Indian families.
▶ Does one policy cover my whole family?
Yes. One family policy covers you, your spouse or partner, and all children under 18 living in your household. When you have another baby, they are automatically included at no extra cost. Once children turn 18, if they're still in education, they can often stay covered until age 25.
▶ What's the difference between the three offers?
Adam Riese XL (€5.90) offers great value with €20M coverage and daily cancellation. Adam Riese XXL (€8.50) gives you maximum €50M coverage, best performance guarantee, and importantly includes glass damage protection for ceramic cooktops. Haftpflichtkasse (€6.40) is a traditional 125-year-old German insurer with very high coverage for borrowed items (€500,000) and includes legal expense insurance.
▶ How is this different from home insurance?
This is very important to understand. Personal liability insurance covers damage you cause to OTHER people and their property. Home insurance (Hausrat) covers YOUR OWN belongings if they get stolen or damaged. They are completely different and you need both types of protection.
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