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Everything about personal liability insurance in Germany

Personal Liability Insurance

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?

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 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?

Learn why our liability insurance in Germany requires local address registration and doesn't cover short-term visits, work trips, remote workers, or stays without an Anmeldung.

Does personal liability insurance cover temporary stays in Germany?

A quick introduction to Personal liability insurance.

Overview

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

What does personal liability insurance cover?

This article covers what's excluded from personal liability insurance, from your own belongings and rented apartment damage to pets, vehicles, and deliberate acts.

What personal liability insurance doesn't cover

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 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 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 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 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?

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 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 the legal protection offered by personal liability insurance.

What legal protection does personal liability insurance offer?

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?

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?

Timothy

Coverage and Benefits

Find out who qualifies for our liability insurance in Germany, including age, registration, and policy history requirements — and who isn't covered.

Who is eligible for personal liability insurance?

Learn how to sign up for personal liability insurance in Germany, from getting a quote and adding family members to reviewing the policy documents and completing checkout, plus whether you…

How to sign up for personal liability insurance in Germany

Vincent

Eligibility and Enrollment

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 key guidelines for submitting a personal liability insurance claim.

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

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 gives answers to common questions about liability claims, including what information you need, how long the process takes, and how to update or cancel a submitted claim.

Liability insurance claims: what to expect and how to manage them

Rob Schumacher

Claims and Support

How to change the start date of your liability insurance policy

Viewing your liability policy information in your Feather account

Learn who qualifies as a family member on a personal liability insurance policy, including partners, children, and parents, and how to add or remove them through your account.

Adding or removing a partner or family member from personal liability insurance

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 how to cancel your personal liability insurance, understand the ‘right of withdrawal’ period, how premiums are billed, what happens if you miss a payment, and how to…

What is the cancellation policy for personal liability insurance?

Managing Your Policy

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

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

Steps to take after discovering water damage in an apartment, and how personal liability insurance fits alongside building and contents insurance.

What to do about water damage as a personal liability insurance policyholder

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