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Rob Schumacher

We answer questions about personal liability insurance.

Personal Liability Insurance

This article explains the coverage provided by each tariff option, single, partner, and kids and family, for personal liability insurance, including who is protected and the monthly cost for each…

Who is covered under my liability policy?

This article explains the typical situations covered by personal liability insurance.

What does personal liability insurance cover?

This article explains the maximum coverage amounts provided by liability insurance, exceptions with lower limits for specific cases, and how damage compensation values are determined.

What are the coverage limits of liability insurance?

This article explains the coverage limits, deductible requirements, and waiting period conditions for liability insurance, clarifying that coverage starts immediately with no waiting period and there is no deductible for…

What are the coverage limits, deductible, and waiting periods for liability insurance?

This article provides practical tips for renters in Germany to help protect their rental deposit.

How can I keep my rental deposit when renting in Germany?

This article explains what personal liability insurance covers in Germany, why it is strongly recommended, and who typically holds this type of insurance despite it not being legally mandatory.

What is personal liability insurance and why is it important in Germany?

Basics of personal liability insurance

This article explains how to determine if a specific scenario is covered.

How can I check if my liability insurance covers a specific situation?

This article explains the step-by-step process for submitting a liability insurance claim.

How do I submit a liability insurance claim?

This article explains how reimbursements for personal liability insurance claims are calculated.

How does personal liability insurance determine reimbursement amounts for claims?

This article explains key guidelines for submitting a personal liability insurance claim.

What should I know before submitting a claim for my personal liability insurance?

Making a liability claim

This article explains the meaning of wear and tear, why it is excluded from liability insurance coverage, and when a landlord can charge tenants for minor repairs under the rental…

What is wear and tear and why does liability insurance not cover it?

This article explains common third-party property damages covered by personal liability insurance.

What types of damages does personal liability insurance cover?

This article explains the legal protection offered by personal liability insurance.

What legal protection does personal liability insurance offer?

Jamie

Understanding policy exclusions

This article explains the distinctions between personal liability insurance and household contents insurance, including what each policy covers, exclusions, and examples of typical claims for both types of coverage.

What are the differences between personal liability insurance and household contents insurance?

This article explains the purpose of rental deposits (Mietkaution) in Germany, legal protections for tenants, conditions under which landlords can use the deposit, rules for payment and security, and timelines…

What is a rental deposit (Mietkaution) in Germany and how does it work?

This article explains how to protect your deposit when moving into an apartment in Germany.

How can I keep my deposit when moving into an apartment in Germany?

This article explains which types of lost keys liability insurance covers.

Does liability insurance cover the cost of lost keys?

This article explains the differences between liability insurance and household contents insurance regarding coverage for lost keys and lock replacements, including legal considerations and landlord responsibilities.

How do liability and household contents insurance cover lost keys and lock replacements?

This article explains that you do not need a new liability insurance policy when moving to a new apartment, but you must update your address in your account.

Do I need a new liability insurance policy when I move to a new apartment?

This article explains when personal liability insurance covers wall damage or painting costs during move-out and outlines tenant obligations for repainting under German tenancy law.

Does personal liability insurance cover painting or wall repairs when moving out of a rental apartment?

Housing-related coverage

This article details when personal liability insurance covers freelance activities and when professional liability insurance is necessary.

Does personal liability insurance cover freelance work activities?

This article explains personal liability insurance coverage for damages caused by children, detailing legal responsibility in Germany, the scope of family tariffs, and coverage for children living at home or…

How does personal liability insurance cover damages caused by children?

This article explains who is eligible to be added to a personal liability insurance policy and how to add or remove partners, children, or parents the account.

How can I add or remove a partner or family member to my personal liability insurance policy?

Work and family coverage

This article explains who is eligible for liability insurance coverage in Germany.

Is liability insurance coverage provided for temporary stays in Germany?

This article explains how our personal liability insurance covers unintentional damage caused by drones, specifying conditions related to drone weight, power source, and usage purpose.

Does Feather's liability insurance cover drones?

This article explains the legal classification of e-scooters and clarifies that standard liability insurance does not cover e-scooters exceeding 6 km/h.

Is liability insurance coverage applicable to e-scooters?

This article explains whether personal liability insurance covers damages or incidents when renting or driving a car in Germany, distinguishing it from mandatory car liability insurance that rental cars have.

Does personal liability insurance cover damages when renting or driving a car in Germany?

Coverage for specific situations

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