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Curious to dive deeper into the ins and outs of German liability insurance? Feel free to check out our ultimate 101 guide. We promise it\u2019s more fun than it sounds.<\/p>\n\n\n\n Here\u2019s what we\u2019ll be covering: <\/strong><\/p>\n\n\n\n Unfortunate things happen whether we like it or not. These unlucky events can be quite costly if someone else gets injured or valuable stuff gets damaged. Did you spill red wine all over your new crush\u2019s smartphone? Did you smash a neighbor\u2019s window while practicing some golf? Private liability insurance will cover you if you accidentally harm others\u2014whether it’s their bodies or their stuff.<\/p>\n\n\n\n Nope!<\/p>\n\n\n\n Unlike car insurance, private liability insurance is not required in Germany. Nevertheless, landlords might ask you for proof of both personal liability and contents insurance<\/a> (\u201cHausratversicherung\u201d). According to the German Tenants’ Association<\/em> (\u201cDeutscher Mieterbund<\/a>\u201d) this request isn\u2019t legally valid. However, reality looks slightly different. <\/p>\n\n\n\n There\u2019s lots of competition when it comes to affordable housing – and not only in Berlin. Therefore, you should give yourself a head start, and consider getting yourself both insurances. <\/p>\n\n\n\n Well, that depends on your policy.<\/p>\n\n\n\n For this reason, it is worth taking a closer look at what your policy covers and make sure it meets your individual needs and what you want to have covered.<\/p>\n\n\n\n In general, it protects against personal injury and property damage caused by carelessness. When someone makes a claim for damages against you, your insurance company will determine whether it\u2019s justified. If it isn\u2019t, your personal liability insurer will defend the claim\u2014even in court. If you are<\/em> responsible, your insurance will pay the costs.<\/p>\n\n\n\n Most insurances will also cover damages caused by your furry friend, because pet owners are liable for their pets\u2019 damages (keep in mind that dogs and horses usually have to be insured by a special dog or horse liability insurance). <\/p>\n\n\n\n This is why the amount of coverage you\u2019ve chosen as well as the deductible are both important. <\/p>\n\n\n\n Good to know<\/em><\/strong>: If you damage someone else\u2019s stuff, your liability insurer will likely cover the repair costs. However, if repairing the damaged item isn\u2019t feasible, your insurer will pay something called the actual cash value<\/em>. Meaning, the amount the item would go for today, minus its depreciation (due to age, wear and tear). Think of it like the \u201ceBay\u201d price of an item. According to German consumer association Stiftung Warentest<\/em><\/a> this poses a slight disadvantage to the person whose stuff got damaged: they won\u2019t necessarily receive enough money to buy the same item again today.<\/p>\n\n\n\n On average, coverage ranges between 5 million euros and a whopping 50 million euros. The agreed-upon sum limits the liability of the insurer. Let\u2019s say somebody claims 7 million euros against you because you accidentally caused a multi car collision with your bicycle (medical costs, or compensation for pain and suffering and loss of earnings, can quickly run into the millions). If you were found liable for these costs and you chose a coverage of 5 million euros, you\u2019d have to pay the difference on your own. Yikes.<\/p>\n\n\n\n But how much is the right coverage? Unfortunately, there is no perfect answer to this question, because everyone has to decide for themselves.<\/p>\n\n\n\n Pro-tip:<\/em><\/strong> Experts at Check24<\/a><\/em>, a German comparison website, recommend a minimum of 10 million euros coverage just to be on the safe side. Also pay attention to your deductible. The deductible determines how much you will have to pay out of pocket if a claim is made. With some insurance companies you can set the deductible to zero. However, if you want to pay a lower monthly fee, you can choose a higher deductible.<\/p>\n\n\n\n Fasten your seat belts and hold on tight\u2014the following information is important<\/em>. In general, personal liability insurance does not pay in the following scenarios:<\/p>\n\n\n\n In addition to your coverage, additional benefits are particularly important and should be considered according to your own individual needs. These are not necessarily automatically included in the policy. Also, pay attention to exclusions or special insurance conditions and limits of coverage (for example, in case of key loss).<\/span><\/p>\n\n\n\n Losing your key<\/b><\/p>\n\n\n\n If you lose the key to your rental apartment, some insurers will pay for the cost of a new key and the replacement of locks.<\/span><\/p>\n\n\n\n Damage to rental property<\/b><\/p>\n\n\n\n If you rent an apartment, and you damage a permanently installed item that came with the apartment.<\/span><\/p>\n\n\n\n Default on payment cover (\u201cForderungsausfalldeckung\u201d)<\/b><\/p>\n\n\n\n If someone else has caused you damage, but is not insured and can\u2019t pay for the damage, you\u2019d be left with the costs. A bad debt cover protects you from this situation.<\/span><\/p>\n\n\n\n Drones & e-bikes<\/b><\/p>\n\n\n\n Drones and e-bikes are becoming increasingly popular, but that doesn’t mean they\u2019re automatically included in every policy. Drones are considered to be a motorized aircraft, and can be added to some insurers’ policies.<\/span><\/p>\n\n\n\n Most insurance companies offer different policies for single people and families. However, your roommates are not covered and will need their own policy. With Lemonade, you can easily add your significant other (no, you don’t have to be married) and your children to your policy\u2014as long as you live under one roof. <\/span><\/p>\n\n\n\n Please note that children under 7 are considered to be incapable of guilt or tort. This means that if your 5-year-old child causes damage, as a parent you cannot be held liable. In traffic, children up to 10 years of age are considered to be incapable of tort. Nevertheless, in the unfortunate circumstance that actions are taken against you, some insurance companies might offer you protection.<\/span><\/p>\n\n\n\n With Lemonade\u2019s Policy 2.0<\/a>, you are protected by an insurance policy designed for the 21st century, one that\u2019s also transparent and easy to understand. With the help of the app, you can create your own policy in a few seconds and adapt it to your needs at any time\u2014without any paperwork or endless phone calls. <\/p>\n\n\n\n Submitting a claim<\/a> is just as easy. Just open the app and click on “Submit Claim.” AI Jim, our chatbot, will ask you a few questions, and your claim will be processed ASAP. With a Lemonade policy, you also make a positive social impact<\/a>: unclaimed premiums will be donated to a charity of your choice through our Giveback<\/a> program. <\/p>\n\n\n\n 1. Material damage<\/strong><\/p>\n\n\n\n Your personal liability insurance protects you in case you damage things that belong to others.<\/span><\/p>\n\n\n\n 2. Injury to other people<\/strong><\/span><\/p>\n\n\n\n Someone slipped and hurt themselves at your housewarming party? If they make a claim against you, we’ll help you handle this mess. In plain English this means: we check if the claim for damages against you is justified and defend it\u2014in court, if necessary. If you are responsible for the damage, we\u2019ll pay the costs for you.<\/p>\n\n\n\n 3. Financial losses<\/strong><\/span><\/p>\n\n\n\n We cover financial losses you cause to others, resulting neither from property damage nor bodily injury. If you accidentally lock someone else\u2019s bike with yours, and they have to pay for a taxi to go to work, we\u2019ll help you out. The maximum amount we\u2019ll pay in these cases is 50.000 \u20ac per event.<\/span><\/p>\n\n\n\n 4. Damage to rental property (\u201cMietsachsch\u00e4den\u201d)<\/strong><\/span><\/p>\n\n\n\n Your Lemonade personal liability policy covers damage to the apartment you rent, plus furniture<\/span>. <\/span>So, if you accidentally knock over a candle, and it burns your landlord’s brand new parquet floor, we will have your back. However, we won\u2019t cover glass breakage.<\/span><\/p>\n\n\n\n 5. Loss of keys<\/strong><\/span><\/p>\n\n\n\n If you lose the key to your rented apartment, you\u2019re covered for the costs for the key and for changing the locks. We\u2019ll cover a maximum amount of 50.000 \u20ac per event.<\/span><\/i><\/p>\n\n\n\n However, you are not insured if you lose your <\/span>office<\/span><\/i> keys after a wild happy hour. <\/span><\/p>\n\n\n\n 6. Damage while travelling abroad<\/strong><\/span><\/p>\n\n\n\n The Lemonade personal liability insurance protects you worldwide, as long as your stay abroad in the EU lasts less than three years, or less than one year if you\u2019re staying outside the EU. So, if you\u2019re on holiday in Venice and accidentally knock over a glass sculpture in the souvenir shop, you are covered. <\/span><\/p>\n\n\n\n 7. Damage caused by pets <\/strong><\/span><\/p>\n\n\n\n Damage caused by your own pets or animals in your care are covered by personal liability\u2014but dogs and horses are excluded. Please inquire about special dog or horse liability insurance. However, we do make an exception for service dogs.<\/span><\/p>\n\n\n\n 8. Bikes and e-bikes<\/strong><\/span><\/p>\n\n\n\n We also protect you if you cause damage with your e-bike. Please note that e-bikes are divided into pedelecs and s-pedelecs. Pedelecs, or e-bikes that ride up to 25 km\/h <\/span>are<\/span><\/i> insured, but s-pedelecs are <\/span>not<\/span><\/i> insured under this policy.<\/span><\/p>\n\n\n\n 9. Small boats<\/strong><\/span><\/p>\n\n\n\n We cover damage you cause when using small boats or watercrafts with a sail area of less than 15 m2, and engines with less than 15 hp. <\/span><\/p>\n\n\n\n 10<\/b>. <\/span>Exchange of electronic data<\/b><\/p>\n\n\n\n If you accidentally spread a virus via an email or USB, making your friend\u2019s laptop unusable, we\u2019ll have your back. We\u2019ill cover up to 50.000 \u20ac per incident.<\/span><\/p>\n\n\n\n Well, what are you waiting for? Get insured with Lemonade in seconds!<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":" Liability insurance is one of the most important insurances in Germany. But do you actually need it? And what do you need to watch out for?<\/p>\n","protected":false},"author":20,"featured_media":7446,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[],"class_list":{"0":"post-8578","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-english","8":"post-hentry"},"acf":[],"yoast_head":"\n![\"Privathaftpflichtversicherung\"](\"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2020\/01\/Vase_3-1024x375.png\")
<\/figure>\n\n\n\nWhat is German personal liability insurance?<\/strong><\/h3>\n\n\n\n
Do I need to have personal liability insurance in Germany?<\/strong><\/h3>\n\n\n\n
What does personal liability insurance cover?<\/strong><\/h3>\n\n\n\n
What\u2019s the right amount of coverage for your personal liability insurance?<\/strong><\/h3>\n\n\n\n
![\"\"](\"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2020\/10\/Liability-insurance-DE.gif\")
<\/figure>\n\n\n\nWhat won\u2019t my personal liability cover?<\/strong><\/h3>\n\n\n\n
Which extras are useful?<\/b><\/h3>\n\n\n\n
Who is covered under my liability policy?<\/b><\/h3>\n\n\n\n
How to get covered with Lemonade<\/h3>\n\n\n\n
Short and sweet – With Lemonade’s personal liability policy you are insured against the following:<\/h3>\n\n\n\n