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How much does personal liability insurance cost in Germany?

In short

Personal liability insurance (Privathaftpflichtversicherung) usually costs singles EUR 40 to 120 a year and families about EUR 60 to 180. Good family tariffs without a deductible start at around EUR 50 to 80. Look for cover of at least EUR 10 million and default cover (Forderungsausfalldeckung).

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How much does personal liability insurance cost in Germany?

What it costs

Guide figures from published tariff examples and test results.

Example	Typical range
Single, cover of EUR 10 to 50 million	about EUR 40 to 120 a year
Family with children	about EUR 60 to 180 a year
Very good family tariff without deductible	from about EUR 48 to 80 a year
Comprehensive tariff with EUR 250 to 300 deductible	about EUR 80 to 95 instead of EUR 120 to 145

Guide values as of September 2026 from publicly quoted tariff examples and test results. Your premium depends on cover and deductible; we obtain the exact quote for you.

Worked example

Family with two children, rented flat

How solid cover adds up.

Family tariff, EUR 50 million cover	about EUR 80 to 120
EUR 250 deductible	about EUR 25 to 40 less

Together about EUR 55 to 95 a year, roughly EUR 5 to 8 a month.

What drives the price

Unlike contents insurance, where you live hardly matters. What counts is who is covered, the cover amount and which extras the tariff includes.

The difference between single and family is often smaller than expected, sometimes only EUR 10 to 30 a year.

Factor	Effect on the premium
Single or family	medium, often EUR 10 to 30 difference
Cover of EUR 10 instead of 50 million	small
Deductible of EUR 250 to 300	noticeable, often a third less
Lost keys, rented property, favours	small to medium
Civil servants and public sector	often cheaper

Why people in Germany take it out early

German law makes you liable without limit for damage you cause to others through negligence, whether you knock over a cyclist or flood the flat below. In the UK and US this cover often comes inside home or renters insurance. In Germany it is a separate policy, and many newcomers take it out in their first weeks. Some landlords ask for proof.

It covers you across Europe and usually worldwide for trips, but not your own things and not your car. Car damage to others is covered by the mandatory motor liability insurance.

When a cheap tariff gets expensive

Very cheap tariffs often leave out borrowed items, lost keys or damage caused by children too young to be liable. Yet these are everyday cases, and lost keys to a rented flat are among the most common claims.

Also check the default cover: it pays when someone without insurance and without money causes you damage.

How to save without gaps

A deductible is the most honest way to save. You pay small claims yourself, large ones stay fully covered.

Old policies from the 2000s often have low cover amounts and missing extras. Comparing then pays off twice. If you leave Germany, you can usually end the policy when you move abroad; ask the insurer which proof of the move it needs.

Step by step

Decide who should be covered: partner, children, parents in the household.
Set a cover amount of at least EUR 10 million.
Check the key extras: keys, rented property, borrowed items, children under seven.
Consider a deductible.
Compare your old policy with new quotes of the same scope.

Checklist

Cover of at least EUR 10 million as a single amount
Default cover included
Damage by children under seven covered
Loss of other people's keys included
Damage to your rented flat covered

Common mistakes

Letting an old policy with low cover run on for years
Not adding your partner after moving in together
Choosing by price alone and forgetting lost keys

Questions and answers

Frequently asked

How much is liability insurance per month?

Usually between EUR 3 and 15, depending on the scope and whether you insure yourself alone or a family.

Is a family tariff much more expensive?

Rarely. The extra is often EUR 10 to 30 a year, and partner and children are covered.

Is a deductible worth it?

Often yes, if you can pay small claims yourself. The premium then drops noticeably.

Why is my old policy more expensive than new ones?

New tariffs are often cheaper and cover more. You can switch at the end of the insurance year.

Can I deduct it from my taxes?

Yes, as other provision expenses. The maximum, however, is usually already used up by health insurance.

Does my liability insurance from home cover me in Germany?

Sometimes for a short stay, rarely once you live here. Check the policy's rules on residence abroad, otherwise take out a German policy.

Sources

NAMMERT insurance broker

Request a quote: Personal liability

We compare several insurers and come back with a proposal. Free for you; the insurer pays our fee. You can write in English.

1Who is it for?

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2Which insurance?

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Please review all my existing policies

3Details

Personal liability insurance (Privathaftpflicht)

Who should be covered? * Year of birth of the oldest person * Do you work in the public sector? Liability claims in the last five years * What matters to you For example work keys, a drone, a small boat, documents in English

4Your current policy

Current insurer Policy ends on What matters more to you?

5How can we reach you?

Name * Email * Phone Postcode Town Preferred contact Anything else we should know