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Personal liability insurance (Haftpflichtversicherung) is a way of life in Germany.

It provides insurance in case of accidental damage to a third party. This insurance also covers accidental damage outside your own home as well as cover against third party claims.

Generally, fees are low and it's worth the peace of mind.



Household insurance (Hausratversicherung) covers losses from  burglary or other incidents. Your reimbursement should correspond to the actual costs of the items insured in the household.

It's worth considering including insurance for glass, windows, bicycles and loss of keys.

Again, it's worth the trouble to arrange this and to take the time to understand your levels of cover.