Liability insurance (Haftpflichtversicherung) protects you from damage claims. It's the most important type of insurance after health insurance. 82% of Germans have it1.

If you cause an accident in Germany, you can be sued by the victim. If the victim wins, you will have to pay reparations1. A lawsuit like that can easily ruin you. If you have Haftpflichtversicherung, it will pay for the legal fees, and the reparations.

If you lose your apartment key, you might have to pay to replace all the locks in the building. Your liability insurance usually covers that too.

How to choose liability insurance ➞