One Second of Carelessness. €500,000 in Damages. Who Pays?
Without liability insurance, you pay with your entire assets — for life. For just a few euros a month, you protect your livelihood.
The most important insurance of all
What Personal Liability Insurance Covers
Personal Injury
Coverage of medical treatment costs, pain and suffering compensation, and pension claims for injuries to third parties.
Property Damage
Repair or replacement of damaged items — from smartphones to rental property damage.
Financial Loss
Protection against consequential financial damages, such as loss of earnings for the injured party.
Rental Property Damage
Damage to the rental apartment — from a scratched bathtub to water damage.
Key Loss
Coverage of costs for lost rental and work keys, including replacement of locking systems.
Passive Legal Protection
Defense against unjustified claims — if necessary, in court at the insurance company's expense.
Who is Personal Liability Insurance designed for?
Singles & Couples
Optimally covered from as little as €3 per month.
Families with Children
Children are covered under the family rate — including those under 7 who are not legally liable.
Renters
Damage to rental property and lost keys are essential components.
Pet Owners
Damage caused by small pets (cats, rabbits) is included as standard.
What is covered?
Versichert
- Damages to third parties caused by you, your partner, and your children
- Rental property damages to the rented apartment
- Acts of goodwill (e.g., helping with a move)
- Loss of keys to rented properties
- Children without tortious capacity (optional)
- Claims default coverage for insolvent liable parties
- Voluntary and charitable activities
- Damages abroad (worldwide, time-limited)
Nicht versichert
- Intentionally caused damages
- Damages to your own property
- Damages arising from professional activities (→ Professional Liability Insurance)
- Motor vehicle damages (→ Motor Vehicle Liability Insurance)
- Contractual penalties and fines
- Damages caused by animals depending on tariff (→ Animal Keeper's Liability Insurance)
This is how we find your optimal rate
Needs Assessment
We capture your life situation: single, family, tenant, or homeowner.
Market Comparison
Independent comparison across 150+ insurers — we filter out the best rates.
Recommendation
Transparent side-by-side comparison of the top 3 rates with all benefit differences.
Conclusion & Support
Digital application, ongoing policy maintenance, and claims service included.
Frequently Asked Questions About Personal Liability Insurance
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