Privathaftpflichtversicherung(Personal Liability Insurance) Explained
New to Germany? Privathaftpflicht is THE most important insurance for everyone living in Germany. It protects you when you accidentally damage others' property or cause injury - starting from just 3 EUR/month.
Key German Terms
Tip for Newcomers
In Germany, there is NO law requiring liability insurance, but it is considered absolutely essential by financial advisors. Unlike in some countries, German law makes you personally liable for ALL damages you cause - with no limit! A simple accident like spilling coffee on someone's laptop or your child breaking a neighbor's window could cost you thousands. For just a few euros per month, Privathaftpflicht protects you from potentially life-changing financial consequences. This is why over 85% of German households have this coverage.
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Our comparison service is free and non-binding. Compare offers from multiple providers and choose the coverage that best fits your needs and budget. No Schufa check required for application.
Why Choose Our Liability Comparison?
Find the perfect personal liability insurance with comprehensive coverage and competitive premiums - with English support for internationals
Comprehensive Coverage (Deckungssumme)
Coverage for property damage (Sachschaden), personal injury (Personenschaden), and financial losses (Vermogensschaden) plus legal defense costs. Protection up to 50 million euros for peace of mind.
Family Protection (Familientarif)
Cover yourself, your spouse/partner, and your children with one policy. Most policies include 'deliktunfahige Kinder' coverage for damages caused by children under 7.
No Schufa Required
Unlike many financial products in Germany, liability insurance does NOT require a Schufa check. Perfect for newcomers without German credit history.
English Support
Access English-language support and documentation. Our platform and partner insurers provide assistance in English for internationals.
Best Rates (Gunstige Beitrage)
Compare offers from many providers to find affordable premiums starting from just 3 euros per month. Excellent protection at minimal cost.
Trusted Service
Professional service from Germany's trusted insurance comparison platform with expert advice and expat-friendly support.
Common Questions from Newcomers
Everything expats need to know about personal liability insurance in Germany
Legal Disclaimer
This information is provided for general guidance only and does not constitute legal or financial advice. Insurance products are subject to German insurance law (Versicherungsvertragsgesetz - VVG). Coverage details, terms, and conditions vary by provider. We recommend consulting with a licensed insurance advisor for personalized recommendations. All insurance contracts are concluded directly with the respective insurance company. meinetarife24.de acts as an independent comparison platform and receives commissions from partner insurers.
Ready for Your Essential Liability Insurance?
Compare quotes from Germany's top providers and get comprehensive coverage starting from just 3 euros per month. No Schufa required - perfect for newcomers!