Insurance on renting an apartment

Recommended Insurances When Renting an Apartment in Germany

If you are new to Germany and planning to rent an apartment, there are a few important insurances you should know about. They protect you from unexpected costs and damages and give you peace of mind in everyday life.

Liability Insurance (Haftpflichtversicherung)

Liability insurance covers damages caused by you, your flatmates, or your pets to the apartment or to other people.

Many landlords require proof of liability insurance before signing the rental contract.

Tip for internationals: Liability insurance is almost essential in Germany. It is relatively inexpensive but offers wide protection.

Household Insurance (Hausratversicherung)

Household insurance protects your personal belongings and furniture in the apartment against:

• Burglary
• Fire
• Water damage
• Other unforeseen events

It can be especially useful if you have valuable furniture, electronics, or other personal belongings.

Legal Protection Insurance (Rechtsschutzversicherung)

Legal protection insurance can be helpful in case of legal disputes with your landlord or neighbors.

Depending on the policy, it can cover lawyer and court costs, helping you manage the financial risk of a legal dispute.

Why These Insurances Matter

These types of insurance can:

• Provide protection against unexpected costs
• Reduce the financial burden in case of damage or disputes
• Give you greater security and peace of mind when renting an apartment in Germany

We’ve listed the most common providers for you.