Compare personal liability insurance

Check which people are expressly insured and when cover ends, for example when training finishes, a child moves out or a partnership changes. Also compare the sum insured and the benefits for the risks in your household; the name of the policy alone is not enough.

If you rent your home, check which damage to rented rooms is covered. Look out for exclusions, compensation limits and how lost keys are handled. Damage to your own belongings is not automatically part of liability cover.

First compare the sum insured, insured persons and add-ons such as damage to rented property, lost keys and cover for unpaid claims (Forderungsausfalldeckung). The premium only tells you something once the benefit profiles are similar. A very cheap policy with low sub-limits can turn out expensive when you make a claim.

The contract usually runs for one year and renews automatically unless you cancel in time; the notice period is usually one month before the end of the term, depending on the contract up to three months (§ 11 VVG). After a premium increase or a claim, there is often a special right to cancel. Only cancel once your new cover is confirmed, so that there is no gap.