If you're looking to rent an apartment in Germany, there's something important you need to know:
Many landlords request to have third-party liability insurance as a requirement or a plus point when renting out their property.
This is because this insurance protects against potential damage that you may cause to the property or to third parties.
As well as helping you find a flat, it's one of the most important insurances for living in Germany.
Step-by-step guide on how to join
Public liability insurance
The Liability insurance It's insurance that covers the costs when you cause damage to third parties, whether it's:
- Property damage
- Personal injury
- Financial losses resulting from
In Germany, these costs can be very high, even for everyday accidents.
Real-life coverage examples
- You spill coffee on someone's laptop -> insurance pays
- You crash your bicycle into a parked car → cover the repair costs
- You break something at a friend's house → insurance covers it
- You cause an accident as a pedestrian → covers third-party damages
In severe cases (personal injury), costs can run into millions of euros.
How much does liability insurance cost in Germany?
- From £5 a month
- Average: between £5 and £10 per month
It is one of the cheapest and best value-for-money insurances in Germany.
Is it compulsory?
It's not legally required, but:
- It's very common among Germans
- It is highly recommended
- It can be requested or valued by owners
Living without this insurance carries a significant financial risk.
What should you consider when hiring them?
Before choosing insurance, check:
- Personal, material and financial damages
- International coverage
- Damage to rented properties
- Bicycle use included
What is NOT covered?
- Intentional damage
- Fines or penalties
- Damage to your own belongings
- Professional activities
How to get insurance in 2 minutes (recommended)
If you want to take out this insurance quickly and without hassle, you can do so online in just a few minutes.
👉 Recommended option (in English and simple):
Right https://feather-insurance.com/personal-liability-insurance
No bureaucracy
✔️ All digital
✔️ Flexible cancellation
Ideal if you've just arrived in Germany
It's one of the most used options by foreigners because it simplifies the entire process.
The Public liability insurance in Germany It's one of the best decisions you can make when you arrive in the country.
Not only does it protect you financially, but it can also help you secure housing more easily.
It's not mandatory, but it's practically essential.
Other articles that may be of interest to you:
- How to join a German public insurance?-> Learn step by step how to get your krankenkasse and social security number!
- Insurance in Germany, which ones you need and how to choose them -> Find out which insurances are most important in Germany: which are compulsory, which are recommended and how much they cost.
