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Personal liability and home contents
When moving into a flat in Germany, two policies are especially common: personal liability insurance for damage you cause to others, and home contents insurance for your belongings in the flat.
How the two policies differ
Personal liability insurance
Within the scope of the chosen tariff it covers damage you unintentionally cause to third parties and defends against unjustified claims. Many landlords ask about it when signing a tenancy agreement.
Home contents insurance
It protects your movable belongings in the flat, for example against fire, tap water, storm or burglary — within the scope of the agreed conditions.
Proof of cover for landlords
If a landlord requests proof, we support you in obtaining a suitable confirmation.
- Clarifying which confirmation is actually being requested
- Guiding the application and the request for confirmation from the insurer
- Filing the confirmation in your digital insurance folder
Review your housing situation
Start the Arrival Check and select the home topic.
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