ExpatNav
Haftpflicht

Best liability insurance for expats in Germany, 2026.

Private liability insurance covers up to 50 million euros if you break a window, a phone, or someone else. Most landlords expect you to have it.

4 providersVerified monthlyRefreshed May 2026
4 results
Our pick
Friday logo

Friday

Berlinsince 2017

Cheapest Haftpflicht on the market. €20 million coverage per incident, digital signup, English support.

Best for Lowest-priced English liability

  • 1d setup
  • English
  • Mobile app
  • No SCHUFA
12-month total
€35.88
Setup
Free
Monthly
€2.99
cheapest
Visit Friday
Getsafe logo

Getsafe

Heidelbergsince 2015

Digital insurer with English app. Bundle bike, contents, and liability in one policy. Monthly cancellation.

Best for Bundling liability with bike + contents in one app

  • 1d setup
  • English
  • Mobile app
  • No SCHUFA
12-month total
€47.4
Setup
Free
Monthly
€3.95
+€11.52
Visit Getsafe
Feather logo

Feather

Berlinsince 2018

English-first liability cover with €50 million worldwide coverage. Annual billing available at €59/year.

Best for €50M worldwide coverage in English

  • 1d setup
  • English
  • Mobile app
  • No SCHUFA
12-month total
€42.96
Setup
Free
Monthly
€3.58
+€7.08
Visit Feather
HUK24 logo

HUK24

Coburgsince 2000

Cheapest mainstream German liability for families. From €44.37/year for the family Classic tariff. Signup in German only.

Best for Families wanting Germany's lowest legacy-insurer rate

  • 3–7d setup
  • English
  • Mobile app
  • No SCHUFA
12-month total
€44.4
Setup
Free
Monthly
€3.7
+€8.52
Visit HUK24

Affiliate disclosure: ExpatNav may earn a commission if you sign up through these links. Commissions never affect our editor's pick or the order of results.

Notebook with handwritten questions
FAQ

Asked & answered.

2 haftpflicht questions.

Legally no, but most German landlords expect you to have it before they hand over keys. It covers up to 50 million euros if you break a window, a phone, or someone else.
Friday at 2.99 euros per month is the cheapest English-language option. HUK24 is cheaper for families at 44.37 euros per year but the signup is in German only.
Related reading

Pair the comparison with a guide.