# Material Insurance Brokerage & Advice | Stay

SMART MATERIAL INSURANCE

Get clear guidance to choose and set up the right protection for your home and belongings.

Learn more

![](https://stayinsured.de/hubfs/material_hero.svg)

Insurance

# From cars to homes, we explain the options that make sense for your situation and help you find the right coverage.

Previous slide Next slide

![](https://stayinsured.de/hubfs/Vehicle%20Insurance-1.svg)

Vehicle insurance

Covers your car, bike or scooter from damage, theft, and accident-related costs (minimum coverage of liability is required by law);

[Learn more](https://stayinsured.de/vehicle-insurance?hsLang=en-gb)

![](https://stayinsured.de/hubfs/Liability%20Insurance-1.svg)

Liability insurance

Protects you financially if you accidentally cause injury or damage to a third person. In Germany there is no limit to your financial liability.

[Learn more](https://stayinsured.de/liability-insurance?hsLang=en-gb)

![](https://stayinsured.de/hubfs/House%20Contents%20Insurance-1.svg)

House contents insurance

Keeps your belongings protected at home from common risks like theft, fire and water damage, useful for both renters and owners.

[Learn more](https://stayinsured.de/house-contents-insurance?hsLang=en-gb)

![](https://stayinsured.de/hubfs/Accident_Insurance.svg)

Accident insurance

Covers unexpected accidents or injuries at work and in your freetime, including long-term medical and recovery costs.

![](https://stayinsured.de/hubfs/Legal%20Expenses%20Insurance-1.svg)

Legal expenses insurance

Protects you against legal costs for disputes, traffic fines, contracts or rental issues, so you can have peace of mind.

[Learn more](https://stayinsured.de/legal-expenses-insurance?hsLang=en-gb)

## Why choose material insurance?

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-09%20a%20las%2014.53.05.png)

### Protection for your home and belongings

Material insurance helps protect your furniture, personal items, and valuables against risks like fire, water damage, theft, and vandalism.

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-09%20a%20las%2014.55.54.png)

### Financial security

Unexpected damage can be very expensive. Material insurance helps cover repair or replacement costs, so you're not left paying out of pocket.

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-09%20a%20las%2014.55.38.png)

### Peace of mind

Knowing your home and belongings are protected lets you focus on living your life in Germany, without constant worry about "what if" situations.

![](https://stayinsured.de/hubfs/Captura%20de%20pantalla%202026-01-09%20a%20las%2015.02.16.png)

### Covers damage to others

Many material insurance policies also protect you if you unintentionally cause damage to someone else's property or belongings, offering extra security in everyday situations.

# SIMPLE STEPS ![](https://stayinsured.de/hubfs/wink_smile.svg)
NO MORE ![](https://stayinsured.de/hubfs/long_arrow.svg) STRESS

Describe your case Book a free call: we speak English, answer all your questions and help you understand your options. Clear guidance and honest advice from the start.

![](https://stayinsured.de/hubfs/stepper-yellow-1.png)

01

Get your options We don’t just show you plans — we compare top providers, explain the pros and cons, and help you choose the best match based on your needs and lifestyle.

![](https://stayinsured.de/hubfs/stepper-yellow-2.png)

02

Skip the paperwork No more stressing over German forms. We take care of the confusing parts, handle communication with providers, and keep you informed about what's happening in every step of the process.

![](https://stayinsured.de/hubfs/Skip%20Paperwork.webp)

03

Immediate expert support Need help right away? Get connected to a qualified advisor now and get the guidance you need. Our team is ready to answer your questions immediately. Book a consultation

![](https://stayinsured.de/hubfs/stepper-yellow-4.png)

04

[5.0](https://www.provenexpert.com/de-de/stay-formerly-mw-expat/)

## 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

Previous slide

Next slide

## Quick answers to questions you may have

### What is material insurance in Germany?

### What kinds of material insurance are there?

### What is an example of material damage?

### Does material insurance cover someone else's belongings?

### Is material insurance compulsory in Germany?

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

Book consultation