In Germany, everyone is liable for the damages caused to others, regardless of whether it is a deliberate act or not. Private liability insurance is therefore highly recommended as it covers the costs of damages or injuries caused by an individual to a third party.
While your building insurance covers the fixed aspects of your home such as walls, roof, doors, windows and bathrooms, the household insurance reimburses you for the loss, damages or destruction of movable items. This insurance protects against a number of risks such as fire, water damage, burglary and is highly recommended to secure your personable belongings.
Going on holiday should be fun. Travel insurances provide peace of mind and financial protection while traveling and the coverage options range from reimbursement of medical expenses to cancellation or interruption of holidays and lost luggage.
