Check our recommendations on liability and household insurance

What types of insurance do you need to live in Germany?

Short answer: liability and household insurances

Germany is a country with a solid tradition in insurances. Apart from health insurance, the must-haves for everyone living in Germany are liability and household insurances. Both are useful for unforeseen events. 

Liability insurance covers you in cases of unintentional harm to a person, their belongings, or an object. In the case of household insurance, you are protected from damage costs related to your current housing. Several providers offer both services in Germany.

We have listed the best liability and household insurances providers for internationals in Germany. Check them out!

Liability Insurance

For all the unexpected situations

Liability insurance (Haftpflichtversicherung) covers costs related to unexpected damages to a person or an object. This type of insurance is very popular in Germany since the government holds people accountable for the damages they cause.

Acquiring liability insurance will ensure your peace of mind for unforeseen events. The coverage and prices differ from provider to provider.

Check out the best offers on the market:

  Getsafe Adam Riese Helden.de Lemonade
Price/month From €3.59 From €3.56 From €6 From €2
Services Language EN/DE DE DE EN/DE

• Accidental damages

• Pets (excluding dogs)

• Lock replacement due to key loss

• Damage inflicted on others

• Damage from internet usage

• Private liability damages

• Loss of keys

• Bad debt losses

• Medical payments to others

• Damages caused to others by members of your household

• Damages caused to others by your pets

Has an App? Yes No No Yes
Link to purchase Get Getsafe! Get Adam Riese! Get Helden.de! Get Lemonade!


Getsafe is a digital insurance company. Their liability insurance covers accidental damages, pets (excluding dogs), lock replacement if you ever lose your keys, and much more. They offer the option to add your partner or kids to your product at an additional cost.

You can secure your liability insurance through their website or app. Getsafe’s product is fairly cheap, and you get worldwide coverage, which is a big bonus if you are an international student. Their services are offered both in English and German. You can manage everything on their app and cancel anytime.


getsafe logo

Adam Riese

Adam Riese is a German insurance company. Their liability insurance includes property, financial or personal damage. Adam Riese offers you the possibility of adding your kids to the product to ensure they are also protected.

You can secure your liability insurance with them through their website. The company only operates in German, and you can cancel anytime after one year.


Adam Riese logo


Helden.de is a pioneer insurtech. Their liability insurance covers you from private damages, loss of keys, bad debt losses, and more. Moreover, with Helden.de, you are protected within Europe, a bonus if you are an international student. Their insurance fee automatically covers your partner or kids.

You can secure your liability insurance with Helden.de on their website. They only offer services in German, and you can cancel at any time.


Helden.de logo


Lemonade reverses the traditional insurance model, so everything becomes transparent and straightforward. The world’s first introduced open-source collaborative insurance policy helps you understand what you are buying and how much you will be paying for it.

Lemonade charges a flat fee, pays claims quickly and donates unused money to causes their users have chosen. Their artificial intelligence bot, Maya, also crafts the perfect coverage to protect you and the stuff you own at home.


lemonade logo

Household Insurance

Protect yourself from unnecessary household problems

Household insurance is another must-have insurance for anyone living in Germany. The standard household insurance covers damages you might have caused to your house - whether rented or owned - in addition to your belongings.

The coverage and prices vary depending on the provider. Most of them offer this type of insurance as an add-on to your liability insurance. We have prepared a list of the best household insurance providers.