# Personal Liability Insurance in Germany | Stay

€7/month. €70 million cover. The “Oops” insurance.

Personal liability insurance (Haftpflichtversicherung) protects you when everyday accidents get expensive — lost keys, damaged apartments, broken laptops, or injuries. Tiny monthly cost, serious protection.

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Key features of liability insurance

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Peace of mind for everyday life

Protects you from unexpected costs caused by accidental damage to third parties at home, work or elsewhere.

Covers injuries or damage to others

Provides financial support if you accidentally damage someone else's property or belongings, as well as if someone gets hurt and you're held responsible.

Legal protection

Helps cover legal fees in case of disputes or claims resulting from an accident.

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## Why choose liability insurance in Germany?

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-09%20a%20las%2014.13.23.png)

### Covers accidents you didn't mean to cause

If you accidentally break a neighbor's window, damage a friend's bike, or spill coffee on someone's laptop, liability insurance steps in to cover the costs.

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-09%20a%20las%2014.39.24.png)

### Protects your savings

No one wants a small accident to turn into a huge bill. Liability insurance makes sure one mistake (even your dog digging up the garden next door) doesn't drain your bank account.

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-09%20a%20las%2014.37.10.png)

### Helps you stay calm

Accidents are stressful enough. Liability insurance keeps you covered so you can focus on solving the problem, not the cost.

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-09%20a%20las%2014.42.55-1.png)

### Very affordable

Liability insurance in Germany is quite cheap. For most people, coverage costs less than €100 per year, making it an easy way to protect yourself from big financial risks.

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### Answer a few simple questions and get smart tailored insurance options from our team of experts

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## What people say about us

An invaluable resource for navigating Germany’s complex health insurance system. Anja Lampert was exceptionally helpful and incredibly patient.

D Darren S. Navigating German health insurance

I’m a freelancer and my case involved transitioning from expat insurance to full private health insurance. With Katharina’s help, the process was not only smooth but also stress-free.

S Sonya Freelancer

I have receive a very personalized attention since the beginning with a very high professionalism.

J J. Starting work in Germany

All meetings and communications took place in English, hence an expat with limited German language skills can understand the process and available products/portfolios.

A Anonym International specialist

Professional, friendly and informative. Definitely recommend them especially if you're an expat like me and you have no idea about the insurance procedure in Germany. Will walk you through the process and provide feedback in fluent English.

V Vahid B. Newcomer to Germany

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## Quick answers to questions you may have

### Is liability insurance compulsory in Germany?

### What does liability insurance cover?

### How much does liability insurance cost in Germany?

### What is not covered under liability insurance?

### Is it smart to get liability insurance in Germany?

# Clear guidance, tailored to your needs — just the best options for you.

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