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As you might expect, there are many different types of insurance in Germany.
Germany has a variety of different insurances for all kinds of unlucky situations. Not all of them might be necessary or useful for everyone, but there are certain policies, which are highly recommended by independent institutions, such as the Union of Insurance Customers.
Which insurances are required by German law?
Some insurances are actually required by law, such as the car liability insurance (Kfz-Haftpflicht) or health insurance (Krankenversicherung). Others might be necessary in certain situations: For example, the general private liability insurance (Haftpflichtversicherung) is always recommended, because it protects you from your possible financial ruin in case of a misfortune with the most serious consequences, as you are liable to unlimited amounts for all damages you cause anyone in Germany. When taking a loan for a house, banks usually require a life insurance (Lebensversicherung) in order for the loan to be secured.
Health insurance supplement insurances
Especially for your health insurance, there are multiple optional supplement insurances, which provide you with better treatment quality (e.g. better dental implants / inlays) or more comfortable treatments in hospitals (e.g. your private hospital room and treatment by a chief physician/surgeon).
We prepared informative explanations for all kinds of insurances below, just click on the name to expand the description.
Liability Insurances (Haftpflichtversicherung)
Ein kleines Missgeschick, und schon sollen Sie für den Schaden in voller Höhe haften.
Mit unserem Haftpflicht-Schutz bewahren wir Sie vor den finanziellen Auswirkungen, zum Beispiel wenn die Vase im Geschäft hinfällt, Ihr Kind auf die Straße rennt und einen Unfall versursacht oder falls Sie als Umzugshelfer versehentlich ein Möbelstück beschädigen.
A small mishap and you will be liable for the full amount of the damage.
With our liability protection, we protect you from the financial consequences, for example if the vase falls down in the shop, your child runs into the street and causes an accident, or if you accidentally damage a piece of furniture as a moving helper.
Home contents insurance (Hausratversicherung)
What is covered by home content insurance in Germany?
Home content insurance covers damage to your belongings caused by:
- Fire
- Lightning
- Storm
- Water damage
- Burglary / theft
If your belongings are damaged or lost, you can make a claim and your insurance will pay out the cost of replacing the item. It doesn’t matter what you paid for the item originally, the claim will be enough to purchase an equivalent item at today’s prices. Your insurer might also pay out the cost of repairing the item.
Home contents insurance doesn’t cover your belongings for deliberate damage or wear and tear. It also does not apply in the following circumstances:
- Accidental damage caused by guests or pets
- Damage or loss outside the home
protecting you is our business
Since 1914, the New York Mutual Insurance Company has been serving policyholders – protecting businesses, mitigating losses, defending claims
Haftpflicht – Liability Insurance
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read moreCar Insurance
Aliquam posuere gravida wolf moon retro. Hella ironic before they sold out pitchfork gastropub dreamccher. gravida vitae euismod quis felis.
Read moreHealth Insurance
Aliquam posuere gravida wolf moon retro. Hella ironic before they sold out pitchfork gastropub dreamccher. gravida vitae euismod quis felis.
read moreHome Insurance
Aliquam posuere gravida wolf moon retro. Hella ironic before they sold out pitchfork gastropub dreamccher. gravida vitae euismod quis felis.
Read moreNot sure what you need? Learn in seconds which types of insurance match your business.
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Since 1914, the New York Mutual Insurance Company has been serving policyholders – protecting businesses, mitigating losses, defending claims.
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Haftpflichtversicherung
(Liability Insurances)
Ein kleines Missgeschick, und schon sollen Sie für den Schaden in voller Höhe haften.
Mit unserem Haftpflicht-Schutz bewahren wir Sie vor den finanziellen Auswirkungen, zum Beispiel wenn die Vase im Geschäft hinfällt, Ihr Kind auf die Straße rennt und einen Unfall versursacht oder falls Sie als Umzugshelfer versehentlich ein Möbelstück beschädigen
A small mishap and you will be liable for the full amount of the damage.
With our liability protection, we protect you from the financial consequences, for example if the vase falls down in the shop, your child runs into the street and causes an accident, or if you accidentally damage a piece of furniture as a moving helper
Unsere Hundehaftpflicht schützt Ihre Finanzen
Ob ein Schaden auf leisen Pfoten daherkommt oder sich laut bellend ankündigt: Wir schützen Sie als Hundehalter vor den wirtschaftlichen Auswirkungen, wenn andere durch Ihren Hund geschädigt werden. So lässt es sich gleich viel entspannter Gassi gehen.
Our dog liability insurance protects your finances
Whether damage occurs quietly or is announced with a loud bark: We protect you as a dog owner from the economic consequences if others are harmed by your dog. This makes going for a walk much more relaxed…
"I've always suspected that blowing out the candles on the birthday cake was a disguised health test for the insurance company"
Trevor John Ellis Fully licensed Insurance Broker &Katharine Hepburn (US actress † 2003)
Graduated Sports Manager & Economist