Expat Finances helps you understand how property and liability insurance works in Germany and supports you in subscribing to home insurance, personal liability insurance, and legal protection coverage.
Property and casualty insurance
For whom?
Differences between France and Germany in property and liability insurance :
In many European countries, certain property and liability insurances are mandatory, whereas in Germany, the regulations are generally more flexible.
Civil liability :
In many European countries, it is mandatory and often included in home insurance. In Germany, it is optional but highly recommended to cover damages caused to third parties.
Home insurance :
Mandatory for tenants and co-owners in some countries, home insurance remains optional in Germany — although strongly recommended to protect against risks such as fire, water damage, and theft.
Legal insurance :
Optional in many countries, it covers legal expenses in the event of a dispute — whether with a landlord, an employer, or a third party.
Which types of property and liability insurance are mandatory ?
| Type of insurance | France | Germany |
|---|---|---|
| Liability insurance | Mandatory | Not mandatory |
| Home insurance | Mandatory | Not mandatory |
| Legal insurance | Not mandatory | Not mandatory |
What we offer :
Guidance and support for property and liability insurance
We support you in analyzing your insurance needs and offer tailored insurance solutions for expatriates in Germany. We help you compare plans, optimize your coverage, and subscribe to comprehensive protection.
Liability insurance subscription for expatriates in Germany :
Personal liability insurance for expatriates in Germany covers damages you may unintentionally cause to others. While it is not mandatory in Germany, it is strongly recommended to avoid potentially high costs in case of a legal dispute. We help you find reliable and tailored liability insurance that matches your needs.
Legal protection insurance subscription for expatriates in Germany
Legal protection insurance for expatriates in Germany is a valuable asset that covers legal fees and helps defend your rights in case of disputes related to employment, housing, or consumer issues. We help you choose comprehensive legal coverage tailored to your status and needs.
Home insurance subscription for expatriates in Germany :
Home insurance in Germany protects your property against damage, whether you are a tenant or a homeowner. While it is not mandatory, it is strongly recommended. We help you choose a home insurance policy that suits your property. Expat Finances supports you every step of the way to make your move to Germany as secure as possible.