Comparison
Personal liability (Haftpflicht) is the one insurance every expat in Germany actually needs. We compare the best English-friendly options.
Reviewed 2026-07-21 · By Mahiuddin Al Kamal · 6 options
If you buy one non-mandatory insurance in Germany, make it personal liability insurance (Privathaftpflicht). It covers you if you accidentally damage someone else's property or injure them, and in Germany you can be held liable for the full cost. It is cheap (often under 5 EUR per month), and many landlords and situations effectively expect you to have it.
We compared the most expat-friendly providers: Getsafe runs entirely in English through an app, and wefox and Feather add advisor support, while Feather brokers policies and handles the paperwork for you. All three let you sign up without fluent German.
We weighted English-language service first (this is the whole point for a new arrival), then price, then how painless a claim is. Getsafe wins for most people: liability from around 3 EUR per month, a fully English app, and monthly cancellation so you are never locked in.
Note: Liability insurance (Haftpflicht) is different from household contents insurance (Hausrat) and legal insurance (Rechtsschutz). Start with liability. It is the cheapest, and the one that protects you from the largest bills.
| Option | Best for | Type | English | From | Cancel | Rating | Link |
|---|---|---|---|---|---|---|---|
| Feather (Liability) | English guided cover | Broker | 100% | ~€5/mo | Flexible | 4.3 | Visit → |
Feather's English liability and household policies, with paperwork handled for you.
| Option | Best for | Type | English | From | Cancel | Rating | Link |
|---|---|---|---|---|---|---|---|
| FRIDAY | Digital car + liability | Liability/car/home | Limited | ~€4/mo | Monthly | 3.8 | Visit → |
Digital insurer for liability, car, and household. Simple online sign-up, pay-per-use car options.
| Option | Best for | Type | English | From | Cancel | Rating | Link |
|---|---|---|---|---|---|---|---|
| HUK24 | Lowest price | Liability/home/car | No | ~€3/mo | Annual | 3.9 | Visit → |
Germany's cheapest mainstream insurer for liability and household. German-only but hard to beat on price.
| Option | Best for | Type | English | From | Cancel | Freelancer-friendly | Setup | Rating | Link |
|---|---|---|---|---|---|---|---|---|---|
| Getsafe | English app, cheap liability | Liability+ | 100% | €3/mo | Monthly | — | — | 4.3 | Visit → |
| wefox | Advisor-backed digital cover | Liability/home | Limited | ~€4/mo | Flexible | — | — | 3.8 | Visit → |
| Feather Insurance | English broker, all options | Broker | 100% | — | — | Yes | Guided | 4.4 | Visit → |
App-based insurer for liability (Haftpflicht), household, legal, and more. Fully in English, cancel monthly.
Digital insurance platform offering liability and household cover in Germany, with advisor support and an app.
Insurance broker for expats. Handles public and private health insurance in English.
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