Get Property Casualty Insurance in Germany

The Property portion of Property and Casualty (P&C) insurance refers to coverage for personal belongings and property in the event that they are damaged or stolen. Most property is covered against things like theft, vandalism, fire, and weather. There are different types of property insurance. But the main components are:

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In Germany you can insure (almost) everything and that is often very practical. We would like to explain here what is meant by household insurance, motor vehicle insurance and private liability insurance and when you might need it.

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Apply online – Get Household Insurance

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No fixed contract period.
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6 Facts Property Casualty Insurance in Germany

Property Casualty Insurance, also known as Sachversicherung in German, is a type of insurance that covers losses related to property damage or liability claims

Property Casualty Insurance: An Overview

Property Casualty Insurance, also known as Sachversicherung in German, is a type of insurance that covers losses related to property damage or liability claims. This type of insurance is important for both individuals and businesses in Germany to protect against unexpected losses that could have a significant financial impact.

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What is Property Casualty Insurance?

Property Casualty Insurance provides coverage for losses related to damage or loss of property, as well as liability claims that arise from accidents or other incidents. This includes coverage for damage to homes, cars, and other personal or business property, as well as liability claims for injuries or damages that occur on the insured property or as a result of the insured’s actions.

Private Liability insurance

Private liability insurance in Germany is not mandatory but highly recommended as it covers damages or injuries caused to others, such as accidental damage, injuries caused by pets or slips, and falls. Cost varies based on coverage and personal factors. It provides valuable protection against unexpected losses and is important to shop around for the best policy.

Household Insurance in Germany

Household insurance, or Hausratversicherung in German, is a type of insurance that covers damages or losses to personal property in the home. It provides coverage for damages caused by events such as fire, theft, water damage, or natural disasters. The cost of household insurance depends on the coverage amount and personal risk factors. It is recommended for homeowners and renters in Germany to protect their personal property.

Vehicle Insurance in Germany

Vehicle insurance, or Kfz-Versicherung in German, is mandatory in Germany for all motor vehicles on public roads. It covers damages or injuries to third parties in the event of an accident. Optional coverage for damages to the insured vehicle or personal injuries can also be added. The cost of car insurance depends on various factors, such as vehicle type, age, and driving history.

Cancel your Property Casualty Insurance when leaving Germany

When leaving Germany, it is important to cancel all insurance policies to avoid paying unnecessary premiums. Most insurance policies can be cancelled with a notice period of one to three months before the desired cancellation date. It is recommended to inform the insurance company in writing and provide your residence deregistration confirmation.