Germans love insurance; most have both household and public liability insurance. Here’s a few more suggestions to keep you protected if the worst happens.
Figuring out which insurance policies you actually need in Germany can feel overwhelming. This recommendation tool from insurance broker Feather simplifies the process by asking a few questions about your life and circumstances, then giving you personalised advice on the coverage that makes sense for you. Feather’s service is free of charge for you.
Here are some other examples:
Household insurance View insurance site »
- Protects your personal belongings inside your home against theft, fire, water damage and natural disasters.
Public liability insurance View insurance site »
- Protects you financially when you accidentally damage other people’s property or cause injury. For instance, if you lose your apartment keys and the landlord needs to replace all the locks, this insurance would cover the cost. Typically costs around €4 per month.
Health insurance View insurance site »
- Health insurance is mandatory in Germany. You’ll need to choose between three types: public, private, or expat insurance. Each tier has different costs, eligibility criteria, and coverage levels. This comparison tool offers a useful comparison of the 3 tiers.
Expat health insurance View insurance site »
- Temporary, flexible insurance option designed for people moving to Germany without a job lined up. It satisfies the health insurance requirement for entry visas, starting at €72 per month with no long-term commitment. Note that pre-existing medical conditions aren't covered, so this works best if you're in good health.
Dental insurance View insurance site »
- Public health insurance in Germany covers basic dental care and check-ups, but you’ll pay out of pocket for services like professional cleaning, high-quality fillings, and tooth replacements. Supplemental dental insurance gives you access to these better treatments without the high costs.
Legal insurance View insurance site »
- Provides coverage for legal fees when disputes arise, and includes free access to lawyer consultations as part of your membership.
Life insurance View insurance site »
- Provides financial support to your loved ones after your death. The payout can help a partner, child, or other dependent who relies on your income.
Bicycle insurance View insurance site »
- While household insurance typically only covers bike theft from your apartment or garage, dedicated bicycle insurance protects your bike against theft and damage wherever you are, including when it’s locked up at night.
Dog liability insurance View insurance site »
- Covers damages your dog might cause to other people or their property. Starting at just €5.58 per month, this insurance is legally required for dog owners in many parts of Germany and throughout Europe. Feather's policy meets all local legal requirements.
Disability insurance View insurance site »
- Provides income replacement if you become unable to work due to long-term illness, injury or burnout.