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Your landlord may not rent you a flat if you don’t have any “Haftpflichtversicherung” (personal liability insurance).
WHY SHOULD YOU HAVE A PERSONAL LIABILITY INSURANCE IN GERMANY?
If you or your family caused an accidental damage to someone else, either property damage or injuries, that person (third party) could file a liability claim against you or your family.
In Germany, there is no limit on how much someone can claim against you for damages you may cause. You are also responsible for any damages your children or pets damage. At the same time, liability insurance also protects you against unjustified claims (i.e. if you are wrongly accused).
This is the reason, it is highly recommended to get a Private Liability Insurance (Privathaftpflichtversicherung).
Certain risks aren’t included in a liability insurance, such as damages caused by dogs (more details here) or horses, damages you caused to your own property (more details here) and damages or accidents while driving your car — for which you need a car insurance (Kfz-Versicherung).
“No deductible” simply means that our insurance partner Coya would start paying claims right away. In other words, the insurance company is going to pay the full bill.
For example, say you hurt someone with your bike or you spilled some wine on your friends carpet. In those cases, our insurance partner will protect you against the financial consequences that would normally follow with no deductible.
WHAT IS COVERED
INJURIES CAUSED TO OTHERS
If you cause a physical damage to someone else, you will be covered up to an insured sum of 30,000,000 euros. That’s the maximum amount you can receive in case a person makes a successful claim against you.
DAMAGES TO A RENTED PROPERTY
If you have accidentally caused a material damage to someone else’s rented property (rented flat, rented things or devices), you will be covered up to an insured sum of 30,000,000 euros.
If you damage or break things belonging to someone else (car or public transport damaged by your bike, broken tv after helping a friend moving in, etc.), you will be covered up to an insured sum of 30,000,000 euros.
If you loose the expensive keys of your rented apartment or you misplace your employer’s keycard/office access card, you will be covered up to an insured sum of 30,000,000 euros in order to buy new keys and/or, if necessary, replace the building’s locks.
PROTECTION AGAINST UNINSURED PEOPLE
In German: Forderungsausfalldeckung
If someone can’t pay for a physical or material damage they’ve caused you, you will also be covered up by this “Trade indemnity coverage”.
CATS & BIRDS LIABILITY INSURANCE
If your cat scratches some expensive furniture belonging to your landlord, it is considered your fault.
This coverage is often required by landlords to cover up damages caused by your tame pet to the rented property.
CO-INSURED PARTNER & KIDS (OPTIONAL)
If your kid damage stuff belonging to someone else, you will be covered up to an insured sum of 30,000,000 euros.
In your “Family Liability Plan”, you can include every family member registered at your address.
DOG LIABILITY INSURANCE (OPTIONAL)
You are insured against financial claims of others for damages for which you are responsible as the owner, co-owner or guardian of your dog (i.e. your dog damages the walls of your rented apartment, etc.). This coverage is often required by landlords!
You can apply for the Dog Liability Insurance here. All is in English.
RENTED VEHICULES (OPTIONAL)
This add-on to the insurance take cares of the deductible if you cause damage to/ with a borrowed or rented vehicle.
This add assumes worldwide excess of fully comprehensive insurance in the event of accidents and damage with rented or borrowed vehicles
85% of the population in Germany has Private Liability Insurance.
Get a Free Private Liability Insurance Quote
Private Liability Insurance policy (“Haftpflichtversicherung”) to protect you from claims for damages in case you injure another person. Cancel Anytime! 100% Online & in English!
Get a Free Dog Liability Insurance Quote
Dog Liability Insurance policy to protect you from claims for damages in case your dog injures another person or damages someone else’s property. Cancel Anytime! 100% Online & in English!
TOP SIX REASONS TO CHOOSE COYA AS YOUR PRIVATE LIABILITY INSURANCE PARTNER
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Headquartered in Berlin, Coya is a German BaFin-licensed insurance company with more than 60 experienced employees from 20 different countries. Coya is flexible and easy because freedom and safety go hand in hand.