Overview of the most important insurances in Germany


Table of Contents
One of the most important insurances in Germany. It covers you in case you are held legally responsible for a negligent bodily injury or property damage.
Your health is the most important good in your life. Therefore it is vital to have a health insurance. You can choose between public and private health insurance.
If you own a car it is mandatory to have a car insurance in Germany. It covers all damages done by you while driving a car.
The home contents insurance covers all items that you have in your apartment/house in case they get damaged by fire or water or if they are stolen by a burglar.
The legal protection insurance covers all fees that you have to pay during a lawsuit (e.g. lawyer costs, court costs, etc.).
Most likely you want to make sure that your partner will have enough resources to make a living in case you die. The life insurance covers exactly that.
You own a dog? Then you should think about a liability insurance for dogs which is similar to the private liability insurance.
Your dog or cat gets sick or needs an urgent surgery? This can become quite costly… A pet health insurance will covers the costs.
Disclaimer: This article reflects my personal opinion about insurances in Germany. I am not giving insurance advice nor am I working for any of the insurance companies presented in this or other articles. However the articles may contain affiliate links, meaning I earn a commission if you use those links.
3 Comments. Leave new
As an English Speaking person in Germany I want to find Public Liability Insurance to cover a Free Exhibition set up in woods that I own. Can anyone recommend a company. Unfortunately Gothaer who are my current insurers have not responded to an email sent a week ago.
Hello – I am looking for information on “Renter’s Insurance”. Insurance that protects me, if I damage something in the Rental House I live in.
Dear Eddie,
damage to rented property is usually covered by a private liability insurance. If you look for example at the conditions of Coya or getsafe you will see that this is covered by their policies.
Best Regards,
Dominik
Disclaimer: This is no legal/insurance advice.