Personal liability insurance (Haftpflichtversicherung) is considered the most essential insurance in Germany after health insurance. It covers damage you accidentally cause to others — from breaking a friend's phone to flooding your neighbor's apartment.
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Select up to 3 providers for a detailed side-by-side comparison.
4 providers found
Tech-savvy expats who want the best app experience and AI-powered instant claims
Setup Fee
Free
Monthly
€5
Setup Time
Sign up in 90 seconds via app; instant coverage
Est. 2015 · New York, USA (Germany office: Berlin)
English-speaking expats who want the easiest sign-up and fully digital claims
Setup Fee
Free
Monthly
€2.99
Setup Time
Sign up in 3 minutes via app; coverage starts immediately
Est. 2015 · Heidelberg, Germany
Those who want a trusted German insurer with highest coverage and local agent support
Setup Fee
Free
Monthly
€3.5
Setup Time
Apply online or through local agent; 1-3 business days
Est. 1886 · Cologne, Germany
German-speaking budget hunters who want the absolute lowest premium
Setup Fee
Free
Monthly
€6.92
Setup Time
Online sign-up in 5 minutes; coverage confirmation within 1 day
Est. 2016 · Berlin, Germany
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Setup fee + monthly fees — see who saves you the most.
Getsafe
12-month total
€36
Setup
Free
Monthly
€2.99/mo
Period
12 months
DEVK
12-month total
€42
Setup
Free
Monthly
€3.5/mo
Period
12 months
Lemonade
12-month total
€60
Setup
Free
Monthly
€5/mo
Period
12 months
Haftpflicht Helden
12-month total
€83
Setup
Free
Monthly
€6.92/mo
Period
12 months
Save €47 over 12 months
by choosing Getsafe over Haftpflicht Helden
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5 common questions about Liability Insurance (Haftpflichtversicherung) — click to expand
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