Dog Liability Insurance – in German “Hundehaftpflichtversicherung” – What is it?
Last update: 21 October 2023
At some point after moving to Germany, you will reach a point where you instinctively ask yourself: “wait, is there insurance for this as well?”. Hundehaftpflichtversicherung translates to “Dog liability insurance” or “pet liability insurance” and it’s insurance you should definitely consider getting if you are a dog owner in Germany.
In Germany, you are liable for any damage or harm you cause to other people or their property – even if by accident. That’s why over 80% of Germans have liability insurance; it covers you for when clumsiness gets the best of you.
When it comes to dogs, you are also liable for whatever trouble your puppy cause. Unfortunately, liability insurance does not cover you in these cases. For that, you need a separate insurance!
Keep in mind that in many German states, like Berlin, Brandenburg, and Hamburg, dog owners are required to have this insurance!
What Does the Insurance Cover?
Dog Liability insurance is extremely similar to personal liability insurance. In short, Hundehaftpflichtversicherung covers the following:
Medical Injuries: In case your dog bites or knocks someone over
Broken objects: If items or property is damaged or destroyed by your dog
Financial loss: This insurance also covers any losses that your dog causes others when you’re not looking.
In addition to their popular personal liability insurance, Getsafe also offers a dog liability insurance. They are 100% digital and offer everything in English, including customer support and claims. Monthly rates are starting at 2.40 EUR and you can cancel your subscription at any time. You enjoy worldwide coverage and claims up to 50 million EUR are covered. You can choose the deductible (“Selbstbeteiligung”) when signing up (0, 150 or 300 EUR) and any breed of dog can be insured.
Insurance starting from just 2.40 EUR/month Insure any breed of dog Manage your insurance policy completely via the Getsafe app (no paperwork) No fixed duration, can be cancelled at any time Service available in English
Lassie offers comprehensive dog liability insurance to cover physical and material damage caused by your furry friend to third parties. With a choice between two packages, you can opt for either no deductible or a deductible of €150 per claim. With a an insured sum of 10,000,000 EUR, you are well covered against unexpected contingencies. The process from signing up to claiming insurance is simplified and expedited through the digital Lassie app, which also provides access to veterinary and expert knowledge. Dog owners also have the opportunity to customize their insurance coverage to suit their unique needs and can also avail of immediate assistance in case of dog bites with up to €500 for veterinary costs. All these benefits make Lassie a reliable choice for dog liability insurance in Germany.
Insurance starting from just 3.25 EUR/month Insure any breed of dog Manage your insurance policy completely via the Lassie app (no paperwork) Choose between the normal and the Plus package Service available in English
Feather provides a straightforward and digital dog liability insurance offering coverage up to 20 million EUR. The entire process is handled in English, making it a suitable choice for expatriates residing in Germany. The insurance premium starts from €5.58 per month, providing an affordable option for dog owners to safeguard against potential liabilities caused by their dogs. During the application process you can choose between a deductible (Selbstbeteiligung) of 0 EUR or 150 EUR.
Insurance starting from just 5.58 EUR/month Manage your insurance policy completely online (no paperwork) Worldwide coverage Service available in English Some dog breeds cannot be insured (e.g. pitbull terriers)
Like Getsafe, helden.de not only offers a private liability insurance, but also a liability insurance for dogs. Monthly rates are starting at just 5.75 EUR and liability claims up to 50 milion EUR are covered (additional payment 150 EUR “Selbstbehalt”). The disadvantages are that they only offer their services in German and that some dog breeds cannot be insured (e.g. pitbull terriers).
Insurance for 5.75 EUR/month Manage your insurance policy completely online (no paperwork) No fixed duration, can be cancelled at any time Some dog breeds cannot be insured (e.g. pitbull terriers) Additional payment (“Selbstbehalt”) of 150 EUR per claim Only available in German (however good English-speaking customer service)
As you can see from the above comparison, dog liability insurance policies are relatively inexpensive. At the same time it covers a lot of the risks in your everyday life with your dog. Therefore it’s definitely worth thinking about this kind of insurance in Germany.
So matter if you are looking for dog insurance Germany, pet insurance Germany, dog health insurance Germany or a dog liability insurance Berlin, this article offers the best providers. Of course you should not forget to sign up for a private liability insurance, as this is insurance is an absolute must-have.
Disclaimer: This article reflects my personal opinion about the above mentioned insurance providers and their offered policies. I am not giving insurance advice nor am I working for the above mentioned companies. However the article contains affiliate links, meaning I earn a commission if you use those links.