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.

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The most important insurance of all

A moment of carelessness can cause damages running into the millions — and you are liable with your entire assets. Personal Liability Insurance protects you from the financial consequences of damages you cause to third parties. Starting at just a few euros per month, with coverage limits of up to 50 million euros.

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

Absolutely. Damage to a rented apartment can quickly run into five-figure sums. In addition, liability insurance protects you against third-party claims.

Under the family rate, all children are co-insured until the end of their initial education. Children under 7 who are not legally liable can optionally be included.

A single rate starts at around €3 per month, family rates from around €5–8 per month. Top-tier policies with comprehensive coverage rarely cost more than €15 per month.

Yes, many modern policies also cover damage to borrowed or rented items. Look for the add-on covering damage to movable rented property.

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