An independent magazine for building a life in Germany.
Comparison
Personal liability (Haftpflicht) is the one insurance every expat in Germany actually needs. We compare the best English-friendly options.
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.
01 / At a glance
Pick an option name to jump to its full write-up below.
| Option | Rating | Best for | Type | English | From | Cancel | Freelancer-friendly | Setup | Website |
|---|---|---|---|---|---|---|---|---|---|
| Top pick Getsafe | 4.3 | English app, cheap liability | Liability+ | 100% | €3/mo | Monthly | — | — | Visit Getsafe website, opens in a new tab |
| wefox | 3.8 | Advisor-backed digital cover | Liability/home | Limited | ~€4/mo | Flexible | — | — | Visit wefox website, opens in a new tab |
| Feather Insurance | 4.4 | English broker, all options | Broker | 100% | — | — | Yes | Guided | Visit Feather Insurance website, opens in a new tab |
| Feather (Liability) Brokers | 4.3 | English guided cover | Broker | 100% | ~€5/mo | Flexible | — | — | Visit Feather (Liability) website, opens in a new tab |
| FRIDAY Digital insurers | 3.8 | Digital car + liability | Liability/car/home | Limited | ~€4/mo | Monthly | — | — | Visit FRIDAY website, opens in a new tab |
| HUK24 Value insurers | 3.9 | Lowest price | Liability/home/car | No | ~€3/mo | Annual | — | — | Visit HUK24 website, opens in a new tab |
Scroll the table sideways to see every spec.
02 / In detail
App-based insurer for liability (Haftpflicht), household, legal, and more. Fully in English, cancel monthly.
Pros
Cons
Digital insurance platform offering liability and household cover in Germany, with advisor support and an app.
Pros
Cons
Insurance broker for expats. Handles public and private health insurance in English.
Pros
Cons
Brokers
Feather's English liability and household policies, with paperwork handled for you.
Pros
Cons
Digital insurers
Digital insurer for liability, car, and household. Simple online sign-up, pay-per-use car options.
Pros
Cons
Value insurers
Germany's cheapest mainstream insurer for liability and household. German-only but hard to beat on price.
Pros
Cons
Heads up: some links in this article are partner links, so we may earn a small commission at no extra cost to you. This is general information, not financial or tax advice. Learn more.
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