{"id":6246,"date":"2025-02-11T10:02:38","date_gmt":"2025-02-11T09:02:38","guid":{"rendered":"http:\/\/localhost:8888\/latour-finance\/?page_id=6246"},"modified":"2025-03-04T12:25:03","modified_gmt":"2025-03-04T11:25:03","slug":"general-insurance-civil-liability","status":"publish","type":"page","link":"https:\/\/latour-finances.de\/en\/general-insurance-civil-liability\/","title":{"rendered":"Damage"},"content":{"rendered":"<div id=\"fws_69f29906d1d6a\"  data-column-margin=\"default\" data-midnight=\"light\" data-top-percent=\"18%\" data-bottom-percent=\"10%\"  class=\"wpb_row vc_row-fluid vc_row full-width-content vc_row-o-equal-height vc_row-flex vc_row-o-content-bottom parallax_section right_padding_7pct left_padding_7pct top_padding_phone_30pct bottom_padding_phone_20pct\"  style=\"padding-top: calc(100vw * 0.18); padding-bottom: calc(100vw * 0.10); \"><div class=\"row-bg-wrap\" data-bg-animation=\"fade-in\" data-bg-animation-delay=\"\" data-bg-overlay=\"true\"><div class=\"inner-wrap row-bg-layer using-image\" style=\"background-color: #d1d1ca;\" ><div class=\"row-bg viewport-desktop using-image using-bg-color\" data-parallax-speed=\"fast\" style=\"background-image: url(https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/houses-by-buildings-town-against-sky-sunset-scaled.jpg); background-position: center bottom; background-repeat: no-repeat; background-color: #d1d1ca; \"><\/div><\/div><div class=\"row-bg-overlay row-bg-layer\" style=\"background: #1d4c5a; background: linear-gradient(90deg,#1d4c5a 0%,rgba(34,178,164,0.01) 100%);  opacity: 0.3; \"><\/div><\/div><div class=\"row_col_wrap_12 col span_12 light left\">\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div id=\"fws_69f29906d2436\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"line-reveal-by-space\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><h1 >Property and casualty insurance<\/h1><\/div>\n<div class=\"wpb_text_column wpb_content_element\" style=\" max-width: 600px; display: inline-block;\">\n\t<div class=\"wpb_wrapper\">\n\t\t<p class=\"Standard\">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.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69f29906d2b9d\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column has-animation no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"fade-in\" data-delay=\"800\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-cta  alignment_tablet_default alignment_phone_default display_tablet_inherit display_phone_inherit\" data-color=\"accent-color\" data-using-bg=\"true\" data-style=\"arrow-animation\" data-display=\"block\" data-alignment=\"left\" data-text-color=\"custom\" style=\"margin-top: 30px; \"><h4 style=\"color: #ffffff;\"><span class=\"link_wrap\" style=\"padding-top: 20px; padding-right: 40px; padding-bottom: 20px; padding-left: 40px;\"><a  class=\"link_text\" role=\"button\" href=\"https:\/\/latour-finances.de\/en\/contact-expat-finance-study-germany\/\"><span class=\"text\">Contact us<\/span><svg class=\"next-arrow\" aria-hidden=\"true\" width=\"20px\" height=\"25px\" viewbox=\"0 0 50 80\" xml:space=\"preserve\">\n  <polyline stroke=\"#ffffff\" stroke-width=\"9\" fill=\"none\" stroke-linecap=\"round\" stroke-linejoin=\"round\" points=\"0, 0 45, 40 0, 80\"\/>\n  <\/svg>  <span class=\"line\"  style=\"background-color: #ffffff;\"><\/span> <\/a><\/span><\/h4><\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_69f29906d3701\"  data-column-margin=\"default\" data-midnight=\"light\" data-bottom-percent=\"3%\"  class=\"wpb_row vc_row-fluid vc_row full-width-section\"  style=\"padding-top: 0px; padding-bottom: calc(100vw * 0.03); \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop using-bg-color\"  style=\"background-color: #1d4c5a; \"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 light left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div id=\"fws_69f29906d3bac\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row  vc_custom_1740475284110 translate_y_50px translate_y_phone_20px\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"line-reveal-by-space\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><h2 style=\" color: #22b2a4;\">For whom?<\/h2><\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div class=\"nectar-flickity not-initialized nectar-carousel\" data-centered-cells=\"false\" data-pause-on-hover=\"\" data-touch-icon-color=\"default\" data-control-color=\"default\" data-overflow=\"visible\" data-r-bottom-total=\"\" data-drag-scale=\"\" data-wrap=\"no-wrap\" data-spacing=\"default\" data-controls=\"touch_total\" data-pagination-alignment=\"default\" data-adaptive-height=\"\" data-border-radius=\"none\" data-column-border=\"\" data-column-padding=\"0\" data-format=\"default\" data-autoplay=\"\" data-autoplay-dur=\"5000\" data-control-style=\"material_pagination\" data-desktop-columns=\"3\" data-small-desktop-columns=\"3\" data-tablet-columns=\"2\" data-phone-columns=\"1\" data-column-color=\"\"><div class=\"flickity-viewport\"> <div class=\"flickity-slider\"><div class=\"cell\"><div class=\"inner-wrap-outer\"><div class=\"inner-wrap\" ><div class=\"nectar-fancy-box using-img\" data-style=\"color_box_hover\" data-animation=\"\" data-hover-o=\"default\" data-border-radius=\"default\" data-border=\"true\" data-box-color-opacity=\"1\" data-delay=\"\" data-alignment=\"left\" data-color=\"accent-color\" ><div class=\"box-inner-wrap\"><div class=\"box-bg\"  data-nectar-img-src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/1032.jpg\"><\/div> <div class=\"inner\" style=\"min-height: 200px\"><div class=\"inner-wrap\"><span class=\"im-icon-wrap\" data-color=\"accent-color\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"50\" height=\"50\" viewbox=\"0 0 32 32\">\n        <path d=\"M2.656 27h26.667v1.333h-26.667v-1.333zM2.656 7h26.667v1.333h-26.667v-1.333zM2.656 28.333c-1.472 0-2.667-1.195-2.667-2.667h1.333c0 0.736 0.597 1.333 1.333 1.333v1.333zM-0.011 9.667h1.333v16h-1.333v-16zM30.656 9.667h1.333v16h-1.333v-16zM29.323 28.333v-1.333c0.748 0 1.355-0.608 1.355-1.355h1.333c0 1.483-1.205 2.688-2.688 2.688zM1.323 9.667h-1.333c0-1.469 1.195-2.667 2.667-2.667v1.333c-0.736 0-1.333 0.597-1.333 1.333zM31.989 9.667h-1.333c0-0.736-0.597-1.333-1.333-1.333v-1.333c1.472 0 2.667 1.197 2.667 2.667zM8.656 10.333c-0.367 0-0.667-0.299-0.667-0.667v-5.333c0-0.368 0.3-0.667 0.667-0.667s0.667 0.299 0.667 0.667v5.333c0 0.368-0.299 0.667-0.667 0.667zM23.323 10.333c-0.367 0-0.667-0.299-0.667-0.667v-5.333c0-0.368 0.3-0.667 0.667-0.667s0.667 0.299 0.667 0.667v5.333c0 0.368-0.299 0.667-0.667 0.667zM3.989 13.667h2.667v2.667h-2.667v-2.667zM9.323 13.667h2.667v2.667h-2.667v-2.667zM14.656 13.667h2.667v2.667h-2.667v-2.667zM19.989 13.667h2.667v2.667h-2.667v-2.667zM25.323 13.667h2.667v2.667h-2.667v-2.667zM3.989 19h2.667v2.667h-2.667v-2.667zM9.323 19h2.667v2.667h-2.667v-2.667zM14.656 19h2.667v2.667h-2.667v-2.667zM19.989 19h2.667v2.667h-2.667v-2.667zM25.323 19h2.667v2.667h-2.667v-2.667z\"><\/path>\n        <\/svg><\/span><\/span>\n<h4>For expatriates living in Germany and planning to stay for more than six months.<\/h4>\n<\/div><\/div>  <\/div> <\/div><\/div><\/div><\/div><div class=\"cell\"><div class=\"inner-wrap-outer\"><div class=\"inner-wrap\" ><div class=\"nectar-fancy-box using-img\" data-style=\"color_box_hover\" data-animation=\"\" data-hover-o=\"default\" data-border-radius=\"default\" data-border=\"true\" data-box-color-opacity=\"1\" data-delay=\"\" data-alignment=\"left\" data-color=\"accent-color\" ><div class=\"box-inner-wrap\"><div class=\"box-bg\"  data-nectar-img-src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/bourse-crise-ukrainienne-expatfinance-1120x747-1.jpg\"><\/div> <div class=\"inner\" style=\"min-height: 200px\"><div class=\"inner-wrap\"><span class=\"im-icon-wrap\" data-color=\"accent-color\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"50\" height=\"50\" viewbox=\"0 0 32 32\">\n        <path d=\"M2.667 30.667h26.667v1.333h-26.667v-1.333zM30.667 5.333h1.333v24h-1.333v-24zM29.312 32v-1.333c0.747 0 1.355-0.608 1.355-1.355h1.333c0 1.483-1.205 2.688-2.688 2.688zM2.667 2.667h26.667v1.333h-26.667v-1.333zM2.667 32c-1.471 0-2.667-1.195-2.667-2.667h1.333c0 0.736 0.599 1.333 1.333 1.333v1.333zM0 5.333h1.333v24h-1.333v-24zM1.333 5.333h-1.333c0-1.469 1.196-2.667 2.667-2.667v1.333c-0.735 0-1.333 0.597-1.333 1.333zM32 5.333h-1.333c0-0.736-0.599-1.333-1.333-1.333v-1.333c1.472 0 2.667 1.197 2.667 2.667zM8.667 6c-0.368 0-0.667-0.299-0.667-0.667v-4c0-0.368 0.299-0.667 0.667-0.667s0.667 0.299 0.667 0.667v4c0 0.368-0.299 0.667-0.667 0.667zM23.333 6c-0.367 0-0.667-0.299-0.667-0.667v-4c0-0.368 0.3-0.667 0.667-0.667s0.667 0.299 0.667 0.667v4c0 0.368-0.3 0.667-0.667 0.667zM26.667 9.333h-21.333c-0.368 0-0.667-0.299-0.667-0.667s0.299-0.667 0.667-0.667h21.333c0.367 0 0.667 0.299 0.667 0.667s-0.3 0.667-0.667 0.667zM9.333 13.333h-4c-0.368 0-0.667-0.299-0.667-0.667s0.299-0.667 0.667-0.667h4c0.368 0 0.667 0.299 0.667 0.667s-0.299 0.667-0.667 0.667zM18.667 13.333h-5.333c-0.368 0-0.667-0.299-0.667-0.667s0.299-0.667 0.667-0.667h5.333c0.367 0 0.667 0.299 0.667 0.667s-0.3 0.667-0.667 0.667zM26.667 13.333h-4c-0.367 0-0.667-0.299-0.667-0.667s0.3-0.667 0.667-0.667h4c0.367 0 0.667 0.299 0.667 0.667s-0.3 0.667-0.667 0.667zM9.333 17.333h-4c-0.368 0-0.667-0.3-0.667-0.667 0-0.368 0.299-0.667 0.667-0.667h4c0.368 0 0.667 0.299 0.667 0.667 0 0.367-0.299 0.667-0.667 0.667zM18.667 17.333h-5.333c-0.368 0-0.667-0.3-0.667-0.667 0-0.368 0.299-0.667 0.667-0.667h5.333c0.367 0 0.667 0.299 0.667 0.667 0 0.367-0.3 0.667-0.667 0.667zM26.667 17.333h-4c-0.367 0-0.667-0.3-0.667-0.667 0-0.368 0.3-0.667 0.667-0.667h4c0.367 0 0.667 0.299 0.667 0.667 0 0.367-0.3 0.667-0.667 0.667zM9.333 21.333h-4c-0.368 0-0.667-0.3-0.667-0.667s0.299-0.667 0.667-0.667h4c0.368 0 0.667 0.3 0.667 0.667s-0.299 0.667-0.667 0.667zM18.667 21.333h-5.333c-0.368 0-0.667-0.3-0.667-0.667s0.299-0.667 0.667-0.667h5.333c0.367 0 0.667 0.3 0.667 0.667s-0.3 0.667-0.667 0.667zM26.667 21.333h-4c-0.367 0-0.667-0.3-0.667-0.667s0.3-0.667 0.667-0.667h4c0.367 0 0.667 0.3 0.667 0.667s-0.3 0.667-0.667 0.667zM9.333 25.333h-4c-0.368 0-0.667-0.3-0.667-0.667s0.299-0.667 0.667-0.667h4c0.368 0 0.667 0.3 0.667 0.667s-0.299 0.667-0.667 0.667zM18.667 25.333h-5.333c-0.368 0-0.667-0.3-0.667-0.667s0.299-0.667 0.667-0.667h5.333c0.367 0 0.667 0.3 0.667 0.667s-0.3 0.667-0.667 0.667zM26.667 25.333h-4c-0.367 0-0.667-0.3-0.667-0.667s0.3-0.667 0.667-0.667h4c0.367 0 0.667 0.3 0.667 0.667s-0.3 0.667-0.667 0.667z\"><\/path>\n        <\/svg><\/span><\/span>\n<h4>For spouses of expatriates living long-term in Germany.<\/h4>\n<\/div><\/div>  <\/div> <\/div><\/div><\/div><\/div><div class=\"cell\"><div class=\"inner-wrap-outer\"><div class=\"inner-wrap\" ><div class=\"nectar-fancy-box using-img\" data-style=\"color_box_hover\" data-animation=\"\" data-hover-o=\"default\" data-border-radius=\"default\" data-border=\"true\" data-box-color-opacity=\"1\" data-delay=\"\" data-alignment=\"left\" data-color=\"accent-color\" ><div class=\"box-inner-wrap\"><div class=\"box-bg\"  data-nectar-img-src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/696.jpg\"><\/div> <div class=\"inner\" style=\"min-height: 200px\"><div class=\"inner-wrap\"><span class=\"im-icon-wrap\" data-color=\"accent-color\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"50\" height=\"50\" viewbox=\"0 0 32 32\">\n        <path d=\"M31.333 20.333h-3.333v-1.333h2.667c0-3.585-1.524-4-2.667-4h-4.667c-0.209 0-0.409-0.099-0.533-0.267l-3.4-4.533c-0.251-0.333-0.649-0.531-1.067-0.531h-8.667c-0.417 0-0.816 0.197-1.068 0.531l-3.399 4.533c-0.125 0.168-0.324 0.267-0.533 0.267h-3.333v4h2.667v1.333h-3.333c-0.368 0-0.667-0.3-0.667-0.667v-5.333c0-0.367 0.299-0.667 0.667-0.667h3.667l3.2-4.267c0.503-0.668 1.3-1.067 2.133-1.067h8.667c0.833 0 1.631 0.399 2.133 1.065l3.2 4.268h4.333c1.825 0 4 0.924 4 5.333v0.667c0 0.367-0.3 0.667-0.667 0.667zM9.333 19h13.333v1.333h-13.333v-1.333zM6.667 23.667c-1.837 0-3.333-1.495-3.333-3.333s1.496-3.333 3.333-3.333 3.333 1.495 3.333 3.333-1.496 3.333-3.333 3.333zM6.667 18.333c-1.103 0-2 0.897-2 2s0.897 2 2 2 2-0.897 2-2-0.897-2-2-2zM25.333 23.667c-1.837 0-3.333-1.495-3.333-3.333s1.496-3.333 3.333-3.333 3.333 1.495 3.333 3.333-1.496 3.333-3.333 3.333zM25.333 18.333c-1.103 0-2 0.897-2 2s0.897 2 2 2 2-0.897 2-2-0.897-2-2-2zM4 13.667h20v1.333h-20v-1.333zM13.333 9.667h1.333v4h-1.333v-4z\"><\/path>\n        <\/svg><\/span><\/span>\n<h4>For cross-border workers between France and Germany.<\/h4>\n<\/div><\/div>  <\/div> <\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_69f29906d5e3e\"  data-column-margin=\"default\" data-midnight=\"dark\" data-top-percent=\"3%\" data-bottom-percent=\"1%\"  class=\"wpb_row vc_row-fluid vc_row full-width-section\"  style=\"padding-top: calc(100vw * 0.03); padding-bottom: calc(100vw * 0.01); \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop using-bg-color\"  style=\"background-color: #ffffff; \"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div id=\"fws_69f29906d6340\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-highlighted-text\" data-style=\"full_text\" data-exp=\"default\" data-user-color=\"true\" style=\"color: #1d4c5a;\" data-using-custom-color=\"false\" data-animation-delay=\"false\" data-color=\"\" data-color-gradient=\"\"><h2 style=\"text-align: center\">Differences between France and Germany in property and liability insurance :<\/h2>\n<\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69f29906d6a0f\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-highlighted-text\" data-style=\"full_text\" data-exp=\"default\" data-user-color=\"true\" style=\"color: #1d4c5a;\" data-using-custom-color=\"false\" data-animation-delay=\"false\" data-color=\"\" data-color-gradient=\"\"><p style=\"text-align: center\">In many European countries, certain property and liability insurances are mandatory, whereas in Germany, the regulations are generally more flexible.<\/p>\n<\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t<div class=\"wpb_content_element\" data-interval=\"0\">\n\t\t<div class=\"wpb_wrapper tabbed clearfix\" data-style=\"minimal_flexible\" data-animation=\"\" data-spacing=\"\" data-icon-size=\"32\" data-full-width-line=\"\" data-color-scheme=\"accent-color\" data-alignment=\"left\">\n\t\t\t<ul class=\"wpb_tabs_nav ui-tabs-nav clearfix\"><li class=\"tab-item active-tab\"><a role=\"button\" href=\"#tab-1740406471529-4\" class=\"active-tab\"><span>Liability insurance<\/span><\/a><\/li><li class=\"tab-item\"><a role=\"button\" href=\"#tab-1740406471629-6\" ><span>Home insurance<\/span><\/a><\/li><li class=\"tab-item\"><a role=\"button\" href=\"#tab-1740406471726-4\" ><span>Legal insurance<\/span><\/a><\/li><\/ul>\n\n\t\t\t\n\t\t\t<div id=\"tab-responsabilite-civile\" data-tab-icon=\"iconsmind-Business-ManWoman\" class=\"wpb_tab ui-tabs-panel wpb_ui-tabs-hide clearfix\"><span class=\"im-icon-wrap tab-icon\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"41\" height=\"32\" viewbox=\"0 0 41 32\">\n        <path d=\"M40.667 31.833c-0.367 0-0.667-0.3-0.667-0.667v-1.333c0-3.324-4.909-4.563-8.001-4.563-0.207 0-0.403-0.096-0.528-0.26l-3-3.896c-0.224-0.292-0.169-0.708 0.123-0.935 0.293-0.223 0.711-0.171 0.935 0.123l2.803 3.639c3.74 0.089 9.003 1.692 9.003 5.892v1.333c0 0.367-0.3 0.667-0.667 0.667zM14.5 22.5c-3.953 0-7.175-4.295-7.476-8.091-0.889-0.251-1.691-0.984-1.691-1.909v-2.667c0-0.833 0.807-1.435 1.333-1.739v-2.261c0-2.528 2.020-4.592 4.529-4.664 0.536-0.215 2.648-1.003 4.804-1.003 3.44 0 5.333 2.013 5.333 5.667v2.059c1.333 0.26 1.333 1.331 1.333 1.941v2.667c0 0.928-0.421 1.62-1.101 1.883-0.255 3.94-3.192 8.117-7.065 8.117zM16 1.5c-2.163 0-4.383 0.936-4.404 0.947-0.084 0.035-0.172 0.053-0.263 0.053-1.837 0-3.333 1.495-3.333 3.333v2.667c0 0.261-0.155 0.5-0.393 0.608-0.475 0.215-0.915 0.583-0.941 0.731v2.661c0 0.293 0.56 0.667 1 0.667 0.368 0 0.667 0.299 0.667 0.667 0 3.303 2.845 7.333 6.167 7.333 3.239 0 5.751-3.943 5.751-7.333 0-0.368 0.299-0.667 0.667-0.667 0.277 0 0.417-0.224 0.417-0.667v-2.667c0-0.667 0-0.667-0.667-0.667-0.368 0-0.667-0.299-0.667-0.667v-2.667c0-2.916-1.308-4.333-4-4.333zM28 21.047c-1.703 0-3.172-0.344-4.504-0.716-0.356-0.099-0.561-0.467-0.463-0.821s0.469-0.564 0.82-0.463c1.243 0.347 2.601 0.667 4.144 0.667 6.516 0 9.084-3.191 9.9-4.589-0.596-1.013-2.241-3.861-2.547-5.167-0.529-2.248-2.308-7.472-7.353-7.472-1.003 0-1.957 0.227-2.839 0.673-0.332 0.164-0.729 0.029-0.896-0.295-0.167-0.328-0.035-0.729 0.293-0.896 1.073-0.541 2.228-0.816 3.443-0.816 4.221 0 7.372 3.097 8.648 8.499 0.26 1.107 1.959 4.065 2.588 5.113 0.117 0.195 0.128 0.437 0.027 0.639-1.764 3.535-5.976 5.644-11.261 5.644zM0.667 31.833c-0.368 0-0.667-0.3-0.667-0.667v-1.333c0-3.861 3.084-6.667 7.333-6.667h1.644l1.775-2.648c0.205-0.305 0.619-0.388 0.925-0.183 0.305 0.203 0.388 0.619 0.183 0.924l-1.972 2.943c-0.124 0.187-0.332 0.297-0.555 0.297h-2c-3.532 0-6 2.195-6 5.333v1.333c0 0.367-0.299 0.667-0.667 0.667zM28.667 31.833c-0.367 0-0.667-0.3-0.667-0.667v-1.333c0-3.14-2.421-5.333-5.891-5.333h-2c-0.22 0-0.425-0.108-0.549-0.289l-2.164-3.147c-0.208-0.304-0.132-0.719 0.172-0.925 0.304-0.205 0.719-0.132 0.927 0.175l1.965 2.859h1.649c4.252 0 7.224 2.744 7.224 6.667v1.333c0 0.361-0.3 0.661-0.667 0.661zM12 30.5c-0.040 0-0.081-0.004-0.121-0.012-0.216-0.039-0.399-0.184-0.488-0.384l-2.667-6c-0.119-0.268-0.049-0.584 0.172-0.775 0.223-0.195 0.544-0.215 0.791-0.061l5.333 3.333c0.172 0.108 0.285 0.288 0.308 0.489 0.024 0.197-0.047 0.404-0.191 0.544l-2.667 2.667c-0.125 0.129-0.296 0.199-0.471 0.199zM10.828 25.553l1.388 3.123 1.388-1.388-2.776-1.735zM17.332 30.5c-0.175 0-0.345-0.069-0.472-0.195l-2.667-2.667c-0.144-0.139-0.215-0.344-0.191-0.544 0.023-0.2 0.137-0.38 0.308-0.488l5.333-3.333c0.248-0.155 0.568-0.135 0.791 0.061 0.221 0.195 0.291 0.507 0.172 0.775l-2.667 6c-0.089 0.199-0.272 0.345-0.488 0.384-0.039 0.003-0.080 0.007-0.12 0.007zM15.729 27.288l1.388 1.388 1.388-3.123-2.776 1.735z\"><\/path>\n        <\/svg><\/span><\/span>\n\t\t\t\t<div id=\"fws_69f29906d76cf\" data-midnight=\"\" data-column-margin=\"90px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex vc_row-o-content-middle\"  style=\"padding-top: 1%; padding-bottom: 1%; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"line-reveal-by-space\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><h3 style=\" color: #1d4c5a;\">Civil liability :<\/h3><\/div>\n<div class=\"wpb_text_column wpb_content_element  vc_custom_1739264840327\" style=\" max-width: 600px; display: inline-block;\">\n\t<div class=\"wpb_wrapper\">\n\t\t<p class=\"Standard\">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.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"fade-in\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\" data-hover-animation=\"zoom-crop\"> \n          <div class=\"hover-wrap-inner\">\n            <a href=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/2310.jpg\" class=\"pp\">\n              <img loading=\"lazy\" decoding=\"async\" class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"1333\" width=\"2000\" data-animation=\"fade-in\" src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/2310.jpg\" alt=\"non-life insurance in germany: liability, home and legal insurance\" srcset=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/2310.jpg 2000w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/2310-300x200.jpg 300w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/2310-1024x682.jpg 1024w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/2310-768x512.jpg 768w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/2310-1536x1024.jpg 1536w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/2310-900x600.jpg 900w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/>\n            <\/a>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t\t<div id=\"tab-assurance-habitation\" data-tab-icon=\"iconsmind-Home2\" class=\"wpb_tab ui-tabs-panel wpb_ui-tabs-hide clearfix\"><span class=\"im-icon-wrap tab-icon\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 32 32\">\n        <path d=\"M28.667 32.001h-9.333c-0.367 0-0.667-0.299-0.667-0.667v-8.667h-5.333v8.667c0 0.368-0.299 0.667-0.667 0.667h-9.333c-0.368 0-0.667-0.299-0.667-0.667v-16.667h-2c-0.277 0-0.527-0.172-0.624-0.433s-0.023-0.553 0.187-0.737l15.333-13.333c0.251-0.219 0.624-0.219 0.875 0l3.563 3.099v-2.596c0-0.368 0.3-0.667 0.667-0.667h5.333c0.367 0 0.667 0.299 0.667 0.667v8.393l5.104 4.437c0.208 0.184 0.284 0.476 0.187 0.737-0.097 0.26-0.347 0.433-0.624 0.433h-2v16.667c0 0.368-0.3 0.667-0.667 0.667zM20 30.668h8v-16.667c0-0.368 0.3-0.667 0.667-0.667h0.884l-4.229-3.676c-0.271-0.236-0.307-0.643-0.083-0.923 0.028-0.036 0.060-0.068 0.093-0.097v-7.304h-4v3.392c0.001 0.261-0.149 0.499-0.388 0.607-0.236 0.109-0.517 0.068-0.715-0.101l-4.229-3.68-13.551 11.783h0.884c0.368 0 0.667 0.299 0.667 0.667v16.667h8v-8.667c0-0.368 0.299-0.667 0.667-0.667h6.667c0.367 0 0.667 0.299 0.667 0.667v8.667z\"><\/path>\n        <\/svg><\/span><\/span>\n\t\t\t\t<div id=\"fws_69f29906d8801\" data-midnight=\"\" data-column-margin=\"90px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex vc_row-o-content-middle\"  style=\"padding-top: 1%; padding-bottom: 1%; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"fade-in\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\" data-hover-animation=\"zoom-crop\"> \n          <div class=\"hover-wrap-inner\">\n            <a href=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/883.jpg\" class=\"pp\">\n              <img loading=\"lazy\" decoding=\"async\" class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"1333\" width=\"2000\" data-animation=\"fade-in\" src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/883.jpg\" alt=\"non-life insurance in germany: liability, home and legal insurance\" srcset=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/883.jpg 2000w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/883-300x200.jpg 300w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/883-1024x682.jpg 1024w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/883-768x512.jpg 768w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/883-1536x1024.jpg 1536w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/883-900x600.jpg 900w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/>\n            <\/a>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"line-reveal-by-space\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><h3 style=\" color: #1d4c5a;\">Home insurance :<\/h3><\/div>\n<div class=\"wpb_text_column wpb_content_element  vc_custom_1739264880135\" style=\" max-width: 500px; display: inline-block;\">\n\t<div class=\"wpb_wrapper\">\n\t\t<p>Mandatory for tenants and co-owners in some countries, home insurance remains optional in Germany \u2014 although strongly recommended to protect against risks such as fire, water damage, and theft.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t\t<div id=\"tab-assurance-juridique\" data-tab-icon=\"iconsmind-Calculator-2\" class=\"wpb_tab ui-tabs-panel wpb_ui-tabs-hide clearfix\"><span class=\"im-icon-wrap tab-icon\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 32 32\">\n        <path d=\"M22.667 32h-13.333c-2.941 0-5.333-2.392-5.333-5.333v-21.333c0-2.941 2.392-5.333 5.333-5.333h13.333c2.941 0 5.333 2.392 5.333 5.333v21.333c0 2.941-2.392 5.333-5.333 5.333zM9.333 1.333c-2.205 0-4 1.795-4 4v21.333c0 2.205 1.795 4 4 4h13.333c2.205 0 4-1.795 4-4v-21.333c0-2.205-1.795-4-4-4h-13.333zM20 16h-8c-2.941 0-5.333-2.392-5.333-5.333v-1.333c0-2.941 2.392-5.333 5.333-5.333h8c2.941 0 5.333 2.392 5.333 5.333v1.333c0 2.941-2.392 5.333-5.333 5.333zM12 5.333c-2.205 0-4 1.795-4 4v1.333c0 2.207 1.795 4 4 4h8c2.205 0 4-1.793 4-4v-1.333c0-2.205-1.795-4-4-4h-8zM10.667 23.333c-1.103 0-2-0.897-2-2s0.897-2 2-2 2 0.897 2 2-0.897 2-2 2zM10.667 20.667c-0.368 0-0.667 0.303-0.667 0.667 0 0.367 0.299 0.667 0.667 0.667s0.667-0.3 0.667-0.667c0-0.364-0.299-0.667-0.667-0.667zM16 23.333c-1.103 0-2-0.897-2-2s0.897-2 2-2 2 0.897 2 2-0.897 2-2 2zM16 20.667c-0.368 0-0.667 0.303-0.667 0.667 0 0.367 0.299 0.667 0.667 0.667s0.667-0.3 0.667-0.667c0-0.364-0.299-0.667-0.667-0.667zM21.333 23.333c-1.103 0-2-0.897-2-2s0.897-2 2-2 2 0.897 2 2-0.897 2-2 2zM21.333 20.667c-0.367 0-0.667 0.303-0.667 0.667 0 0.367 0.3 0.667 0.667 0.667s0.667-0.3 0.667-0.667c0-0.364-0.3-0.667-0.667-0.667zM10.667 28.667c-1.103 0-2-0.897-2-2s0.897-2 2-2 2 0.897 2 2-0.897 2-2 2zM10.667 26c-0.368 0-0.667 0.303-0.667 0.667 0 0.367 0.299 0.667 0.667 0.667s0.667-0.3 0.667-0.667c0-0.364-0.299-0.667-0.667-0.667zM16 28.667c-1.103 0-2-0.897-2-2s0.897-2 2-2 2 0.897 2 2-0.897 2-2 2zM16 26c-0.368 0-0.667 0.303-0.667 0.667 0 0.367 0.299 0.667 0.667 0.667s0.667-0.3 0.667-0.667c0-0.364-0.299-0.667-0.667-0.667zM21.333 28.667c-1.103 0-2-0.897-2-2s0.897-2 2-2 2 0.897 2 2-0.897 2-2 2zM21.333 26c-0.367 0-0.667 0.303-0.667 0.667 0 0.367 0.3 0.667 0.667 0.667s0.667-0.3 0.667-0.667c0-0.364-0.3-0.667-0.667-0.667z\"><\/path>\n        <\/svg><\/span><\/span>\n\t\t\t\t<div id=\"fws_69f29906d9628\" data-midnight=\"\" data-column-margin=\"90px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex vc_row-o-content-middle\"  style=\"padding-top: 1%; padding-bottom: 1%; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"line-reveal-by-space\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><h3 style=\" color: #1d4c5a;\">Legal insurance :<\/h3><\/div>\n<div class=\"wpb_text_column wpb_content_element  vc_custom_1739264914709\" style=\" max-width: 600px; display: inline-block;\">\n\t<div class=\"wpb_wrapper\">\n\t\t<p>Optional in many countries, it covers legal expenses in the event of a dispute \u2014 whether with a landlord, an employer, or a third party.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"fade-in\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\" data-hover-animation=\"zoom-crop\"> \n          <div class=\"hover-wrap-inner\">\n            <a href=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/1687.jpg\" class=\"pp\">\n              <img loading=\"lazy\" decoding=\"async\" class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"1333\" width=\"2000\" data-animation=\"fade-in\" src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/1687.jpg\" alt=\"non-life insurance in germany: liability, home and legal insurance\" srcset=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/1687.jpg 2000w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/1687-300x200.jpg 300w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/1687-1024x682.jpg 1024w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/1687-768x512.jpg 768w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/1687-1536x1024.jpg 1536w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/1687-900x600.jpg 900w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/>\n            <\/a>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t<\/div> \n\t<\/div> \n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_69f29906da5c2\"  data-column-margin=\"default\" data-midnight=\"dark\" data-top-percent=\"3%\" data-bottom-percent=\"2%\"  class=\"wpb_row vc_row-fluid vc_row full-width-section\"  style=\"padding-top: calc(100vw * 0.03); padding-bottom: calc(100vw * 0.02); \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop using-bg-color\"  style=\"background-color: #1d4c5a; \"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div id=\"fws_69f29906daa7b\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-highlighted-text\" data-style=\"full_text\" data-exp=\"default\" data-user-color=\"true\" style=\"color: #22b2a4;\" data-using-custom-color=\"false\" data-animation-delay=\"false\" data-color=\"\" data-color-gradient=\"\"><h3 class=\"Standard\">Which types of property and liability insurance are mandatory ?<\/h3>\n<\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t<div class=\"wpb_raw_code wpb_raw_html wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n<table id=\"tablepress-5\" class=\"tablepress tablepress-id-5\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Type of insurance<\/th><th class=\"column-2\">France<\/th><th class=\"column-3\">Germany<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Liability insurance<\/td><td class=\"column-2\">Mandatory<\/td><td class=\"column-3\">Not mandatory<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Home insurance<\/td><td class=\"column-2\">Mandatory<\/td><td class=\"column-3\">Not mandatory<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Legal insurance<\/td><td class=\"column-2\">Not mandatory<\/td><td class=\"column-3\">Not mandatory<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-5 from cache -->\n\t\t<\/div>\n\t<\/div>\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_69f29906db974\"  data-column-margin=\"default\" data-midnight=\"dark\" data-top-percent=\"5%\" data-bottom-percent=\"5%\"  class=\"wpb_row vc_row-fluid vc_row full-width-content vc_row-o-equal-height vc_row-flex vc_row-o-content-middle parallax_section zindex-set right_padding_15pct left_padding_15pct right_padding_tablet_20pct right_padding_phone_24px left_padding_tablet_20pct left_padding_phone_24px\"  style=\"padding-top: calc(100vw * 0.05); padding-bottom: calc(100vw * 0.05);  z-index: 10;\"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop using-bg-color\" data-parallax-speed=\"fast\" style=\"background-color: rgba(132,179,180,0.12); \"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"right\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div class=\"nectar-lottie-wrap width_desktop_90pct height_desktop_90pct alignment_center position_desktop_absolute top_position_desktop_0px left_position_desktop_0px translate_y_desktop_-45pct translate_x_desktop_-60pct z_index_-1\"><div class=\"nectar-lottie\" data-lottie-settings=\"{&quot;trigger_type&quot;:&quot;play&quot;,&quot;mobile_func&quot;:&quot;default&quot;,&quot;loop&quot;:&quot;true&quot;,&quot;trigger_offset&quot;:&quot;0.00,100.00&quot;,&quot;frame_constraint&quot;:&quot;0.00,100.00&quot;,&quot;speed&quot;:&quot;0.2&quot;,&quot;width_desktop&quot;:&quot;90%&quot;,&quot;height_desktop&quot;:&quot;90%&quot;,&quot;alignment&quot;:&quot;center&quot;,&quot;preserve_aspect_ratio&quot;:&quot;xMidYMid meet&quot;,&quot;position_desktop&quot;:&quot;absolute&quot;,&quot;top_position_desktop&quot;:&quot;0&quot;,&quot;left_position_desktop&quot;:&quot;0&quot;,&quot;translate_y_desktop&quot;:&quot;-45%&quot;,&quot;translate_x_desktop&quot;:&quot;-60%&quot;,&quot;preserveaspectratio&quot;:&quot;none&quot;,&quot;json_url&quot;:&quot;https:\\\/\\\/assets1.lottiefiles.com\\\/packages\\\/lf20_w4NUp4.json&quot;,&quot;zindex&quot;:&quot;-1&quot;,&quot;box_shadow_method&quot;:&quot;filter&quot;}\"><\/div><\/div><div class=\"nectar-lottie-wrap width_desktop_150pct height_desktop_150pct alignment_center position_desktop_absolute top_position_desktop_0px left_position_desktop_0px translate_y_desktop_-10pct translate_x_desktop_20pct z_index_-1\"><div class=\"nectar-lottie\" data-lottie-settings=\"{&quot;trigger_type&quot;:&quot;play&quot;,&quot;mobile_func&quot;:&quot;default&quot;,&quot;loop&quot;:&quot;true&quot;,&quot;trigger_offset&quot;:&quot;0.00,100.00&quot;,&quot;frame_constraint&quot;:&quot;0.00,100.00&quot;,&quot;speed&quot;:&quot;0.2&quot;,&quot;width_desktop&quot;:&quot;150%&quot;,&quot;height_desktop&quot;:&quot;150%&quot;,&quot;alignment&quot;:&quot;center&quot;,&quot;preserve_aspect_ratio&quot;:&quot;xMidYMid meet&quot;,&quot;position_desktop&quot;:&quot;absolute&quot;,&quot;top_position_desktop&quot;:&quot;0&quot;,&quot;left_position_desktop&quot;:&quot;0&quot;,&quot;translate_y_desktop&quot;:&quot;-10%&quot;,&quot;translate_x_desktop&quot;:&quot;20%&quot;,&quot;preserveaspectratio&quot;:&quot;none&quot;,&quot;json_url&quot;:&quot;https:\\\/\\\/assets1.lottiefiles.com\\\/packages\\\/lf20_w4NUp4.json&quot;,&quot;zindex&quot;:&quot;-1&quot;,&quot;box_shadow_method&quot;:&quot;filter&quot;}\"><\/div><\/div><div id=\"fws_69f29906dbfad\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"padding-bottom: 2%; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column centered-text no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-highlighted-text\" data-style=\"full_text\" data-exp=\"default\" data-user-color=\"true\" style=\"color: #1d4c5a;\" data-using-custom-color=\"false\" data-animation-delay=\"false\" data-color=\"\" data-color-gradient=\"\"><h2>What we offer :<\/h2>\n<\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69f29906dc4db\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-2 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-8 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"toggles accordion toggles--minimal-shadow\" data-br=\"20px\" data-starting=\"default\" data-style=\"minimal\"><div class=\"toggle accent-color\" data-inner-wrap=\"true\"><h3 class=\"toggle-title\"><a href=\"#\" role=\"button\" class=\"nectar-inherit-h3 toggle-heading\"><i role=\"presentation\" class=\"fa fa-plus-circle\"><\/i>Guidance and support for property and liability insurance<\/a><\/h3><div><div class=\"inner-toggle-wrap\"><div class=\"nectar-responsive-text font_size_min_14px font_size_max_20px font_size_desktop_1-1vw font_line_height_1-6 nectar-link-underline-effect\"><p>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.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"toggle accent-color\" data-inner-wrap=\"true\"><h3 class=\"toggle-title\"><a href=\"#\" role=\"button\" class=\"nectar-inherit-h3 toggle-heading\"><i role=\"presentation\" class=\"fa fa-plus-circle\"><\/i>Liability insurance subscription for expatriates in Germany :<\/a><\/h3><div><div class=\"inner-toggle-wrap\"><div class=\"nectar-responsive-text font_size_min_14px font_size_max_20px font_size_desktop_1-1vw font_line_height_1-6 nectar-link-underline-effect\"><p>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.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"toggle accent-color\" data-inner-wrap=\"true\"><h3 class=\"toggle-title\"><a href=\"#\" role=\"button\" class=\"nectar-inherit-h3 toggle-heading\"><i role=\"presentation\" class=\"fa fa-plus-circle\"><\/i>Legal protection insurance subscription for expatriates in Germany<\/a><\/h3><div><div class=\"inner-toggle-wrap\"><div class=\"nectar-fancy-ul font_size_min_14px font_size_max_20px font_size_desktop_1-1vw font_line_height_1-6\" data-list-icon=\"dot\" data-animation=\"false\" data-animation-delay=\"0\" data-spacing=\"5px\" data-alignment=\"left\"> 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. <\/div><\/div><\/div><\/div><div class=\"toggle accent-color\" data-inner-wrap=\"true\"><h3 class=\"toggle-title\"><a href=\"#\" role=\"button\" class=\"nectar-inherit-h3 toggle-heading\"><i role=\"presentation\" class=\"fa fa-plus-circle\"><\/i>Home insurance subscription for expatriates in Germany :<\/a><\/h3><div><div class=\"inner-toggle-wrap\"><div class=\"nectar-responsive-text font_size_min_14px font_size_max_20px font_size_desktop_1-1vw font_line_height_1-6 nectar-link-underline-effect\"><p>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.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-2 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>","protected":false},"excerpt":{"rendered":"Assurances dommages Expat Finances helps you to understand the differences between France and Germany for your non-life insurance and to take out your home insurance, liability insurance and insurance...","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6246","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - 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