{"id":1071,"date":"2026-08-16T13:45:13","date_gmt":"2026-08-16T13:45:13","guid":{"rendered":"http:\/\/insure-germany.local\/?page_id=1071"},"modified":"2026-08-16T16:56:18","modified_gmt":"2026-08-16T16:56:18","slug":"legal-insurance-germany","status":"publish","type":"page","link":"https:\/\/insure-germany.com\/de\/services\/legal-insurance-germany\/","title":{"rendered":"Rechtsschutzversicherung"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1071\" class=\"elementor elementor-1071\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48604542 e-flex e-con-boxed e-con e-parent\" data-id=\"48604542\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73bb3f55 elementor-widget elementor-widget-hfe-breadcrumbs-widget\" data-id=\"73bb3f55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"hfe-breadcrumbs-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav aria-label=\"Breadcrumb\"><ul class=\"hfe-breadcrumbs hfe-breadcrumbs-show-home\"><li class=\"hfe-breadcrumbs-item hfe-breadcrumbs-first\"><span class=\"hfe-breadcrumbs-home-icon\"><\/span><a href=\"https:\/\/insure-germany.com\/de\"><span class=\"hfe-breadcrumbs-text\">Home<\/span><\/a><\/li><\/ul><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bfa1e3c e-flex e-con-boxed e-con e-parent\" data-id=\"bfa1e3c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-56f0c03e e-flex e-con-boxed e-con e-child\" data-id=\"56f0c03e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-615989d1 e-con-full e-flex e-con e-child\" data-id=\"615989d1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51a8c532 elementor-widget elementor-widget-image\" data-id=\"51a8c532\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"277\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Mediathek-KELLER-IMMOBILIENSERVICE.webp\" class=\"attachment-large size-large wp-image-403\" alt=\"\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Mediathek-KELLER-IMMOBILIENSERVICE.webp 866w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Mediathek-KELLER-IMMOBILIENSERVICE-300x104.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Mediathek-KELLER-IMMOBILIENSERVICE-768x266.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Mediathek-KELLER-IMMOBILIENSERVICE-18x6.webp 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a602364 elementor-widget elementor-widget-text-editor\" data-id=\"5a602364\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Trusted by 100+ expats<\/p><p>across Germany<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-33ccea45 e-con-full e-flex e-con e-child\" data-id=\"33ccea45\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3c5a07eb e-con-full e-flex e-con e-child\" data-id=\"3c5a07eb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51ea52fb elementor-widget elementor-widget-heading\" data-id=\"51ea52fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Independent advice for expats<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ad67cf7 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"4ad67cf7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n.ig-h1-liability { font-family: 'Poppins', sans-serif; font-size: 44px; font-weight: 800; line-height: 1.2; color: #ffff; margin: 0; }\n.ig-h1-liability .acc { color: #F5A015; }\n@media (max-width: 768px) { .ig-h1-liability { font-size: 30px !important; text-align: center; } }\n<\/style>\n<h1 class=\"ig-h1-liability\">Legal insurance in Germany \u2014 <em class=\"acc\" style=\"font-style:normal;\">independent<\/em>, English-speaking advice<\/h1>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e53a46 e-con-full e-flex e-con e-child\" data-id=\"2e53a46\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-546ae419 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"546ae419\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book your free consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bfb47cf elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"4bfb47cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"#covered\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See what's covered<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3389f3f5 elementor-widget elementor-widget-text-editor\" data-id=\"3389f3f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Built with Ai<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ad0a589 e-grid e-con-full e-con e-child\" data-id=\"2ad0a589\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a2bcb71 elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"2a2bcb71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 56c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m0-48C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 168c-44.183 0-80 35.817-80 80s35.817 80 80 80 80-35.817 80-80-35.817-80-80-80z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRechtsschutz, plainly explained\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe translate the German small print \u2014 waiting periods, deductibles and modules \u2014 into decisions you can actually make.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4332b9c5 elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"4332b9c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-globe\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M336.5 160C322 70.7 287.8 8 248 8s-74 62.7-88.5 152h177zM152 256c0 22.2 1.2 43.5 3.3 64h185.3c2.1-20.5 3.3-41.8 3.3-64s-1.2-43.5-3.3-64H155.3c-2.1 20.5-3.3 41.8-3.3 64zm324.7-96c-28.6-67.9-86.5-120.4-158-141.6 24.4 33.8 41.2 84.7 50 141.6h108zM177.2 18.4C105.8 39.6 47.8 92.1 19.3 160h108c8.7-56.9 25.5-107.8 49.9-141.6zM487.4 192H372.7c2.1 21 3.3 42.5 3.3 64s-1.2 43-3.3 64h114.6c5.5-20.5 8.6-41.8 8.6-64s-3.1-43.5-8.5-64zM120 256c0-21.5 1.2-43 3.3-64H8.6C3.2 212.5 0 233.8 0 256s3.2 43.5 8.6 64h114.6c-2-21-3.2-42.5-3.2-64zm39.5 96c14.5 89.3 48.7 152 88.5 152s74-62.7 88.5-152h-177zm159.3 141.6c71.4-21.2 129.4-73.7 158-141.6h-108c-8.8 56.9-25.6 107.8-50 141.6zM19.3 352c28.6 67.9 86.5 120.4 158 141.6-24.4-33.8-41.2-84.7-50-141.6h-108z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWhole-market comparison\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe compare providers across the market, not just one insurer's tariff or the two apps everyone recommends.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a68cbb elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"7a68cbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-comment-dots\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M144 208c-17.7 0-32 14.3-32 32s14.3 32 32 32 32-14.3 32-32-14.3-32-32-32zm112 0c-17.7 0-32 14.3-32 32s14.3 32 32 32 32-14.3 32-32-14.3-32-32-32zm112 0c-17.7 0-32 14.3-32 32s14.3 32 32 32 32-14.3 32-32-14.3-32-32-32zM256 32C114.6 32 0 125.1 0 240c0 47.6 19.9 91.2 52.9 126.3C38 405.7 7 439.1 6.5 439.5c-6.6 7-8.4 17.2-4.6 26S14.4 480 24 480c61.5 0 110-25.7 139.1-46.3C192 442.8 223.2 448 256 448c141.4 0 256-93.1 256-208S397.4 32 256 32zm0 368c-26.7 0-53.1-4.1-78.4-12.1l-22.7-7.2-19.5 13.8c-14.3 10.1-33.9 21.4-57.5 29 7.3-12.1 14.4-25.7 19.9-40.2l10.6-28.1-20.6-21.8C69.7 314.1 48 282.2 48 240c0-88.2 93.3-160 208-160s208 71.8 208 160-93.3 160-208 160z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSupport in English\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSetup, module choices and claims handling \u2014 walked through in English, whenever you need it.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cfdf04f e-flex e-con-boxed e-con e-parent\" data-id=\"cfdf04f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6c8fee50 e-con-full e-flex e-con e-child\" data-id=\"6c8fee50\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58c5215a elementor-widget elementor-widget-image\" data-id=\"58c5215a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-rechtsschutzversicherung-expats.webp\" class=\"attachment-full size-full wp-image-1099\" alt=\"Legal insurance in Germany for expats \u2013 English-speaking Rechtsschutzversicherung advice\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-rechtsschutzversicherung-expats.webp 1536w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-rechtsschutzversicherung-expats-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-rechtsschutzversicherung-expats-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-rechtsschutzversicherung-expats-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-rechtsschutzversicherung-expats-18x12.webp 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ac3b1c9 elementor-widget elementor-widget-text-editor\" data-id=\"4ac3b1c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"s1\">Created with AI<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d1a1bf3 e-con-full e-flex e-con e-child\" data-id=\"3d1a1bf3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f90f90c elementor-widget elementor-widget-heading\" data-id=\"4f90f90c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">The basics<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f480dd8 elementor-widget elementor-widget-heading\" data-id=\"2f480dd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What legal insurance covers in Germany<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c2389b5 elementor-widget elementor-widget-text-editor\" data-id=\"3c2389b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Lawyer and court fees in Germany can escalate quickly \u2014 a single employment or tenancy dispute can cost several thousand euros before anyone reaches a verdict. Legal insurance in Germany (Rechtsschutzversicherung) pays those costs when a covered dispute arises, and lets you pick your own lawyer \u2014 including an English-speaking one.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb38642 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"bb38642\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-513a1259 elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"513a1259\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-shield-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.5 83.7l-192-80a48.15 48.15 0 0 0-36.9 0l-192 80C27.7 91.1 16 108.6 16 128c0 198.5 114.5 335.7 221.5 380.3 11.8 4.9 25.1 4.9 36.9 0C360.1 472.6 496 349.3 496 128c0-19.4-11.7-36.9-29.5-44.3zM256.1 446.3l-.1-381 175.9 73.3c-3.3 151.4-82.1 261.1-175.8 307.7z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tStandard 3-month waiting period\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tMost disputes that existed before your policy started are excluded \u2014 timing of sign-up matters more than the price.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dbe9e4a elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"5dbe9e4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-comment-dots\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 32C114.6 32 0 125.1 0 240c0 49.6 21.4 95 57 130.7C44.5 421.1 2.7 466 2.2 466.5c-2.2 2.3-2.8 5.7-1.5 8.7S4.8 480 8 480c66.3 0 116-31.8 140.6-51.4 32.7 12.3 69 19.4 107.4 19.4 141.4 0 256-93.1 256-208S397.4 32 256 32zM128 272c-17.7 0-32-14.3-32-32s14.3-32 32-32 32 14.3 32 32-14.3 32-32 32zm128 0c-17.7 0-32-14.3-32-32s14.3-32 32-32 32 14.3 32 32-14.3 32-32 32zm128 0c-17.7 0-32-14.3-32-32s14.3-32 32-32 32 14.3 32 32-14.3 32-32 32z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tModules chosen for your life\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tTenant, employment, traffic, contract \u2014 the right module set matters more than the biggest package.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20d428c4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"20d428c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22e1caca elementor-widget elementor-widget-heading\" data-id=\"22e1caca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">New to Germany and unsure what legal cover you need?<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bd67e85 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"5bd67e85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">BOOK YOUR FREE CONSULTATION<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5792d58e e-flex e-con-boxed e-con e-parent\" data-id=\"5792d58e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a800026 elementor-widget elementor-widget-heading\" data-id=\"2a800026\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Trusted by expats<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f81698e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"4f81698e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Expats trust us for legal insurance germany advice they can act on<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ef2b2f2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4ef2b2f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Real feedback from expats who finally understood what their policy would \u2014 and wouldn&#8217;t \u2014 pay for, before signing anything.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19e28751 elementor-widget elementor-widget-shortcode\" data-id=\"19e28751\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"ti-widget ti-wp-testimonial-1 ti-no-logo\" data-layout-id=\"4\" data-layout-category=\"slider\" data-set-id=\"light-background\" data-pid=\"\" data-language=\"de\" data-close-locale=\"Schlie\u00dfen\" data-review-target-width=\"300\" data-css-version=\"2\" data-review-text-mode=\"readmore\" data-reply-by-locale=\"Antwort des Eigent\u00fcmers\" data-only-rating-locale=\"Dieser Nutzer hat lediglich eine Bewertung abgegeben.\" data-pager-autoplay-timeout=\"6\" > <div class=\"ti-widget-container ti-col-3\"> <div class=\"ti-reviews-container\"> <div class=\"ti-controls\"> <div class=\"ti-next\" aria-label=\"N\u00e4chste Bewertung\" role=\"button\" tabindex=\"0\"><\/div> <div class=\"ti-prev\" aria-label=\"Vorherige Bewertung\" role=\"button\" tabindex=\"0\"><\/div> <\/div> <div class=\"ti-reviews-container-wrapper\">  <div class=\"ti-review-item source-Testimonials ti-image-layout-thumbnail\" data-platform-page-url=\"\" data-time=\"\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\" data-rating=\"5\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\">  <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Capture-2026-08-13-115018-60x60.png\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Capture-2026-08-13-115018-60x60.png 2x\" alt=\"Jan Tuskan profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Jan Tuskan <\/div> <div class=\"ti-date\">Trustpilot<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT --><pre class=\"CDS_Typography_appearance-default__da5bc0 CDS_Typography_prettyStyle__da5bc0 CDS_Typography_heading-s__da5bc0\" data-service-review-title-typography=\"true\">Super Nur gute Erfahrungen gemacht. Super Kundenservice. Netter Mensch und kompetente Beratung<\/pre><!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Ausblenden\" data-open-text=\"Weiterlesen\" ><\/span> <\/div> <\/div>  <div class=\"ti-review-item source-Testimonials ti-image-layout-thumbnail\" data-platform-page-url=\"\" data-time=\"\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\" data-rating=\"5\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\">  <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/cdn.trustindex.io\/assets\/default-avatar\/noprofile-06.svg\" srcset=\"https:\/\/cdn.trustindex.io\/assets\/default-avatar\/noprofile-06.svg 2x\" alt=\"Christin profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Christin <\/div> <div class=\"ti-date\">Trustpilot<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT --><pre class=\"CDS_Typography_appearance-default__da5bc0 CDS_Typography_prettyStyle__da5bc0 CDS_Typography_heading-xs__da5bc0\" data-service-review-title-typography=\"true\">Kompetente Beratung ohne Schnickschnack<\/pre>\n<p class=\"CDS_Typography_appearance-default__da5bc0 CDS_Typography_prettyStyle__da5bc0 CDS_Typography_body-l__da5bc0\" data-service-review-text-typography=\"true\">Eigentlich hatte ich mir vorgenommen, hier ein lyrisches Meisterwerk als Rezession zu hinterlassen, aber mit Fakten ist man hier besser bedient \ud83d\ude42\n\nDas Thema Versicherungen war f\u00fcr mich immer eine Blackbox und ich habe es jahrelang vor mir hergeschoben, was nat\u00fcrlich auch nicht zielf\u00fchrend war.\n\nChris konnte viel Licht in den dichten Versicherungsnebel bringen, hat mir alles super geduldig und ausf\u00fchrlich erkl\u00e4rt und mir die bestm\u00f6glichen Versicherungsoptionen angeboten. Kein Schnickschnack, kein unn\u00f6tiger Quatsch.\n\nSuper kompetent, prima Beratung und bei insure-Germany ist man einfach gut aufgehoben. Merci!<\/p><!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Ausblenden\" data-open-text=\"Weiterlesen\" ><\/span> <\/div> <\/div>  <div class=\"ti-review-item source-Testimonials ti-image-layout-thumbnail\" data-platform-page-url=\"\" data-time=\"\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\" data-rating=\"5\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\">  <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/cdn.trustindex.io\/assets\/default-avatar\/noprofile-06.svg\" srcset=\"https:\/\/cdn.trustindex.io\/assets\/default-avatar\/noprofile-06.svg 2x\" alt=\"Anonymous profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Anonymous <\/div> <div class=\"ti-date\">Trustpilot<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Ehrlich gesagt habe ich fr\u00fcher immer versucht, selbst alle Versicherungsanbieter zu finden und alle auftretenden Probleme zu l\u00f6sen. Needless to say, dass ich mehr als genug Zeit daf\u00fcr verschwendet habe und den Ergebnis war nicht optimal.\nIch bin froh, Kundin von Insure-Germany geworden zu sein, denn das ist einfach ein ganz anderes Niveau.\n\nChris hat mir stets ausf\u00fchrliche Beratungen gegeben und auf all meine Fragen vollst\u00e4ndige Antworten gefunden. Nat\u00fcrlich, \u00fcbt er keinen Druck auf meine Entscheidungen aus und ist einer echter Profi.\n\nIch kann Chris jedem empfehlen, der sicherstellen m\u00f6chte, dass alle seine Versicherungen optimal verwaltet werden (und einfach optimal sind).<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Ausblenden\" data-open-text=\"Weiterlesen\" ><\/span> <\/div> <\/div>  <\/div> <div class=\"ti-controls-line\"> <div class=\"dot\"><\/div> <\/div> <\/div> <div class=\"ti-footer\">  <\/div> <div class=\"ti-footer-filter-text\"><!-- FOOTER FILTER TEXT --><\/div>  <\/div> <\/div> <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7fa1dc40 e-con-full e-flex e-con e-child\" data-id=\"7fa1dc40\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16ae49f5 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"16ae49f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u00a7 34d GewO Licensed insurance broker<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f49b213 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f49b213\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">IHK Registered in the German intermediary register<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28a482d3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"28a482d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Professional indemnity In place, as required by law<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56e98d12 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"56e98d12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">GDPR-compliant Your data is never sold on<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ea3b482 e-flex e-con-boxed e-con e-parent\" data-id=\"4ea3b482\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-459f4756 e-grid e-con-full e-con e-child\" data-id=\"459f4756\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-579295c2 e-con-full e-flex e-con e-child\" data-id=\"579295c2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-46530d66 e-flex e-con-boxed e-con e-child\" data-id=\"46530d66\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34bf3ee6 elementor-widget elementor-widget-text-editor\" data-id=\"34bf3ee6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"s1\">Created with AI<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-332ab0e8 elementor-widget elementor-widget-icon-box\" data-id=\"332ab0e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tinsure-Germany\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tChristian Keller \u00b7 independent broker, Mannheim\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47811b48 elementor-icon-list--layout-inline elementor-mobile-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"47811b48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Independent advice<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Modules compared<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b4d06ea e-con-full e-flex e-con e-child\" data-id=\"3b4d06ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7aa4ee16 elementor-widget elementor-widget-heading\" data-id=\"7aa4ee16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Why work with us<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cb50465 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"7cb50465\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Legal cover that pays when you actually need it<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39fe1b2d elementor-widget elementor-widget-text-editor\" data-id=\"39fe1b2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Rechtsschutzversicherung isn&#8217;t one product \u2014 it&#8217;s a stack of modules with different waiting periods and exclusions. The cheapest tariff is almost never the one that pays out when the dispute you actually have arrives.<\/p><p>Pre-existing disputes are excluded \u2014 timing your policy right costs nothing but saves everything. An independent broker owes you the whole picture, not just one insurer&#8217;s app.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d92344e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6d92344e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Independent comparison across the whole market \u2014 not tied to a single provider or app<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Advice built around the disputes you're actually exposed to \u2014 tenant, employment, traffic, contract<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ongoing support in English, including help when a claim comes up<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52110e4a elementor-align-left elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"52110e4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to an independent broker<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5601e1c4 elementor-widget elementor-widget-text-editor\" data-id=\"5601e1c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<section aria-labelledby=\"story-title\">\n<div class=\"wrap\">\n<div class=\"tstory\">\n<div class=\"tstory-body\">\n<div class=\"tstory-cta\"><small>Free &amp; no obligation \u00b7 in English or German<\/small><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37d1c848 e-flex e-con-boxed e-con e-parent\" data-id=\"37d1c848\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3736667 e-con-full e-flex e-con e-child\" data-id=\"3736667\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-589ad118 e-con-full e-flex e-con e-child\" data-id=\"589ad118\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4793a398 elementor-widget elementor-widget-heading\" data-id=\"4793a398\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Not sure which modules you actually need?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b4dbdf5 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4b4dbdf5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Get a clear, independent walkthrough of tenant, employment, traffic and contract cover \u2014 before you commit to a policy. No pressure, no cost.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-784d17bd e-con-full e-flex e-con e-child\" data-id=\"784d17bd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5269bc36 elementor-widget elementor-widget-button\" data-id=\"5269bc36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get free advice<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5cbc6c79 e-flex e-con-boxed e-con e-parent\" data-id=\"5cbc6c79\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-572da88f e-con-full e-flex e-con e-child\" data-id=\"572da88f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ede33 e-con-full e-flex e-con e-child\" data-id=\"ede33\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30cd3458 elementor-widget elementor-widget-heading\" data-id=\"30cd3458\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">The short answer<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-479874f0 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"479874f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Do expats really need legal insurance in Germany?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20d54db4 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"20d54db4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Legal insurance is not mandatory in Germany, but for most expats it&#8217;s one of the more useful policies to hold. Lawyer fees under German law follow a <a href=\"https:\/\/www.gesetze-im-internet.de\/rvg\/\" target=\"_blank\" rel=\"noopener\">fixed statutory schedule (RVG)<\/a> that scales with the amount in dispute, so even routine cases can run into four figures. Rechtsschutzversicherung covers those costs \u2014 plus court fees, expert opinions and, in most tariffs, mediation.<\/p><p>The catch is timing: standard policies have a 3-month waiting period, and any dispute that had already started before you signed up is excluded. That&#8217;s why the question isn&#8217;t only &#8216;do I need it&#8217; but &#8216;when should I have set it up&#8217; \u2014 usually the answer is &#8216;before the situation that made you ask.&#8217;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1aa133c8 e-con-full e-flex e-con e-child\" data-id=\"1aa133c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24515c7b elementor-widget elementor-widget-icon-box\" data-id=\"24515c7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tNot mandatory\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tBut strongly recommended in Germany\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7965c484 elementor-widget elementor-widget-icon-box\" data-id=\"7965c484\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tModular cover\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tTenant, employment, traffic, contract \u2014 pick yours\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c6c7bb elementor-widget elementor-widget-icon-box\" data-id=\"3c6c7bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFree lawyer choice\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tYou pick your own \u2014 including English-speaking\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59637ba8 e-con-full e-flex e-con e-child\" data-id=\"59637ba8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3e460a88 e-grid e-con-full e-con e-child\" data-id=\"3e460a88\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60ae0469 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"60ae0469\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"159\" height=\"94\" viewBox=\"0 0 159 94\" fill=\"none\"><path d=\"M34.4077 93.0908H-0.00142002V-9.15527e-05H34.3622C43.8471 -9.15527e-05 52.0137 1.86355 58.8622 5.59082C65.741 9.28779 71.044 14.6211 74.7713 21.5908C78.4986 28.5302 80.3622 36.8332 80.3622 46.4999C80.3622 56.1969 78.4986 64.5302 74.7713 71.4999C71.0743 78.4696 65.7865 83.8181 58.9077 87.5454C52.0289 91.2423 43.8622 93.0908 34.4077 93.0908ZM22.4986 73.909H33.544C38.7562 73.909 43.1652 73.0302 46.7713 71.2726C50.4077 69.4848 53.1501 66.5908 54.9986 62.5908C56.8774 58.5605 57.8168 53.1969 57.8168 46.4999C57.8168 39.8029 56.8774 34.4696 54.9986 30.4999C53.1198 26.4999 50.3471 23.6211 46.6804 21.8635C43.044 20.0757 38.5592 19.1817 33.2259 19.1817H22.4986V73.909ZM93.4986 93.0908V-9.15527e-05H158.408V18.2726H115.999V37.3635H155.089V55.6817H115.999V74.8181H158.408V93.0908H93.4986Z\" fill=\"#F5A017\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tGerman name\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tRechtsschutzversicherung (also Rechtsschutz)\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3cc8f66a elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"3cc8f66a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-users\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M96 224c35.3 0 64-28.7 64-64s-28.7-64-64-64-64 28.7-64 64 28.7 64 64 64zm448 0c35.3 0 64-28.7 64-64s-28.7-64-64-64-64 28.7-64 64 28.7 64 64 64zm32 32h-64c-17.6 0-33.5 7.1-45.1 18.6 40.3 22.1 68.9 62 75.1 109.4h66c17.7 0 32-14.3 32-32v-32c0-35.3-28.7-64-64-64zm-256 0c61.9 0 112-50.1 112-112S381.9 32 320 32 208 82.1 208 144s50.1 112 112 112zm76.8 32h-8.3c-20.8 10-43.9 16-68.5 16s-47.6-6-68.5-16h-8.3C179.6 288 128 339.6 128 403.2V432c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48v-28.8c0-63.6-51.6-115.2-115.2-115.2zm-223.7-13.4C161.5 263.1 145.6 256 128 256H64c-35.3 0-64 28.7-64 64v32c0 17.7 14.3 32 32 32h65.9c6.3-47.4 34.9-87.3 75.2-109.4z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWho it's for\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAnyone exposed to disputes \u2014 tenants, employees, drivers, freelancers\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21106493 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"21106493\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-double\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 174.8l-39.6-39.6c-9.4-9.4-24.6-9.4-33.9 0L192 374.7 80.6 263.2c-9.4-9.4-24.6-9.4-33.9 0L7 302.9c-9.4 9.4-9.4 24.6 0 34L175 505c9.4 9.4 24.6 9.4 33.9 0l296-296.2c9.4-9.5 9.4-24.7.1-34zm-324.3 106c6.2 6.3 16.4 6.3 22.6 0l208-208.2c6.2-6.3 6.2-16.4 0-22.6L366.1 4.7c-6.2-6.3-16.4-6.3-22.6 0L192 156.2l-55.4-55.5c-6.2-6.3-16.4-6.3-22.6 0L68.7 146c-6.2 6.3-6.2 16.4 0 22.6l112 112.2z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMandatory?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNo \u2014 but strongly recommended given German legal cost scales\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73b832a8 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"73b832a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"79\" height=\"96\" viewBox=\"0 0 79 96\" fill=\"none\"><path d=\"M65.9055 32.9999L61.3146 43.2726H-0.00355101L3.86009 32.9999H65.9055ZM56.951 52.3635L51.7237 62.909H-0.00355101L3.86009 52.3635H56.951ZM78.0874 8.04534L69.8146 25.6363C68.8449 25.0908 67.5722 24.3635 65.9965 23.4544C64.451 22.515 62.6025 21.6817 60.451 20.9544C58.3298 20.2272 55.9207 19.8635 53.2237 19.8635C49.3449 19.8635 46.0116 20.8181 43.2237 22.7272C40.4358 24.6059 38.2843 27.6059 36.7692 31.7272C35.2843 35.8484 34.5419 41.2575 34.5419 47.9544C34.5419 54.712 35.2843 60.1363 36.7692 64.2272C38.2843 68.2878 40.4358 71.2272 43.2237 73.0453C46.0116 74.8635 49.3449 75.7726 53.2237 75.7726C55.8904 75.7726 58.2692 75.4241 60.3601 74.7272C62.4813 74.0302 64.2995 73.2423 65.8146 72.3635C67.3601 71.4544 68.5722 70.6969 69.451 70.0908L77.7692 87.7272C74.4358 90.3635 70.6783 92.3484 66.4965 93.6817C62.3449 94.9847 57.9207 95.6363 53.2237 95.6363C45.1328 95.6363 37.9661 93.7726 31.7237 90.0453C25.5116 86.3181 20.648 80.909 17.1328 73.8181C13.6177 66.6969 11.8601 58.0756 11.8601 47.9544C11.8601 37.8635 13.6177 29.2423 17.1328 22.0908C20.648 14.9393 25.5116 9.46958 31.7237 5.6817C37.9661 1.89382 45.1328 -0.000114441 53.2237 -0.000114441C58.1025 -0.000114441 62.6025 0.696856 66.7237 2.0908C70.8752 3.48473 74.6631 5.46958 78.0874 8.04534Z\" fill=\"#F5A017\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWaiting period\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tTypically 3 months (Wartezeit); traffic module often exempt\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51ca388f elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"51ca388f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-globe-africa\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 8C111.03 8 0 119.03 0 256s111.03 248 248 248 248-111.03 248-248S384.97 8 248 8zm160 215.5v6.93c0 5.87-3.32 11.24-8.57 13.86l-15.39 7.7a15.485 15.485 0 0 1-15.53-.97l-18.21-12.14a15.52 15.52 0 0 0-13.5-1.81l-2.65.88c-9.7 3.23-13.66 14.79-7.99 23.3l13.24 19.86c2.87 4.31 7.71 6.9 12.89 6.9h8.21c8.56 0 15.5 6.94 15.5 15.5v11.34c0 3.35-1.09 6.62-3.1 9.3l-18.74 24.98c-1.42 1.9-2.39 4.1-2.83 6.43l-4.3 22.83c-.62 3.29-2.29 6.29-4.76 8.56a159.608 159.608 0 0 0-25 29.16l-13.03 19.55a27.756 27.756 0 0 1-23.09 12.36c-10.51 0-20.12-5.94-24.82-15.34a78.902 78.902 0 0 1-8.33-35.29V367.5c0-8.56-6.94-15.5-15.5-15.5h-25.88c-14.49 0-28.38-5.76-38.63-16a54.659 54.659 0 0 1-16-38.63v-14.06c0-17.19 8.1-33.38 21.85-43.7l27.58-20.69a54.663 54.663 0 0 1 32.78-10.93h.89c8.48 0 16.85 1.97 24.43 5.77l14.72 7.36c3.68 1.84 7.93 2.14 11.83.84l47.31-15.77c6.33-2.11 10.6-8.03 10.6-14.7 0-8.56-6.94-15.5-15.5-15.5h-10.09c-4.11 0-8.05-1.63-10.96-4.54l-6.92-6.92a15.493 15.493 0 0 0-10.96-4.54H199.5c-8.56 0-15.5-6.94-15.5-15.5v-4.4c0-7.11 4.84-13.31 11.74-15.04l14.45-3.61c3.74-.94 7-3.23 9.14-6.44l8.08-12.11c2.87-4.31 7.71-6.9 12.89-6.9h24.21c8.56 0 15.5-6.94 15.5-15.5v-21.7C359.23 71.63 422.86 131.02 441.93 208H423.5c-8.56 0-15.5 6.94-15.5 15.5z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tDeductible\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tCommon range \u20ac150\u2013\u20ac300 per case (Selbstbeteiligung)\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11da1264 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"11da1264\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-shield\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M622.3 271.1l-115.2-45c-4.1-1.6-12.6-3.7-22.2 0l-115.2 45c-10.7 4.2-17.7 14-17.7 24.9 0 111.6 68.7 188.8 132.9 213.9 9.6 3.7 18 1.6 22.2 0C558.4 489.9 640 420.5 640 296c0-10.9-7-20.7-17.7-24.9zM496 462.4V273.3l95.5 37.3c-5.6 87.1-60.9 135.4-95.5 151.8zM224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm96 40c0-2.5.8-4.8 1.1-7.2-2.5-.1-4.9-.8-7.5-.8h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c6.8 0 13.3-1.5 19.2-4-54-42.9-99.2-116.7-99.2-212z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tModules available\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPrivat, Beruf, Verkehr, Miet-\/Wohnung, Vertrag\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-740fa7f3 e-flex e-con-boxed e-con e-parent\" data-id=\"740fa7f3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37f0a512 elementor-widget elementor-widget-heading\" data-id=\"37f0a512\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Who it's for<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-724c92c6 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"724c92c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who should consider legal insurance in Germany?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6802ba25 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6802ba25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Not everyone needs the same modules \u2014 and some situations make legal insurance in germany far more urgent than others. Understanding your actual exposure comes before comparing tariffs. Open a group below to see who benefits most:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24670fa9 elementor-widget__width-initial elementor-widget elementor-widget-n-accordion\" data-id=\"24670fa9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6100\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-6100\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Tenants and renters <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6100\" class=\"elementor-element elementor-element-6f95ff9e e-con-full e-flex e-con e-child\" data-id=\"6f95ff9e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-767a8f0a elementor-widget elementor-widget-text-editor\" data-id=\"767a8f0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tenancy disputes are the single most common reason expats end up in front of a German court \u2014 over deposits, service-charge invoices (Nebenkostenabrechnung), rent increases, or termination notices. Miet-\/Wohnungsrechtsschutz is the module that covers these, and it&#8217;s often sold separately from the base policy. If you rent, this is usually the first module worth having; if you also let out a property, different rules and premiums apply.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6101\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6101\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Employees and freelancers <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6101\" class=\"elementor-element elementor-element-38241379 e-con-full e-flex e-con e-child\" data-id=\"38241379\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40bd68c1 elementor-widget elementor-widget-text-editor\" data-id=\"40bd68c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Arbeitsrechtsschutz (employment legal cover) is relevant for anyone in a German employment contract \u2014 from disputes over dismissal notices and severance to unpaid overtime or reference letters (Arbeitszeugnis). <a href=\"\/services\/business-insurance-germany-freelancers\/\">Freelancers<\/a> face a different exposure: contract disputes with clients, which fall under Vertragsrechtsschutz rather than employment cover. Getting the right module matters more than buying the biggest package.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6102\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6102\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Expats arriving in Germany <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6102\" class=\"elementor-element elementor-element-42c3a093 e-con-full e-flex e-con e-child\" data-id=\"42c3a093\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27604fd3 elementor-widget elementor-widget-text-editor\" data-id=\"27604fd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Verkehrsrechtsschutz (traffic legal cover) covers disputes arising from driving \u2014 accidents where fault is contested, licence issues, fines you want to challenge, and criminal charges arising from driving. It&#8217;s often the cheapest module and, unusually, sometimes comes without a waiting period \u2014 which makes it worth sorting before you actually need it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-26d215bf e-flex e-con-boxed e-con e-parent\" data-id=\"26d215bf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51274e69 elementor-widget elementor-widget-heading\" data-id=\"51274e69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Why it matters<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d77c00 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"9d77c00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why legal cover isn't optional in practice<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-26124420 e-grid e-con-full e-con e-child\" data-id=\"26124420\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a374ef6 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4a374ef6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-double\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 174.8l-39.6-39.6c-9.4-9.4-24.6-9.4-33.9 0L192 374.7 80.6 263.2c-9.4-9.4-24.6-9.4-33.9 0L7 302.9c-9.4 9.4-9.4 24.6 0 34L175 505c9.4 9.4 24.6 9.4 33.9 0l296-296.2c9.4-9.5 9.4-24.7.1-34zm-324.3 106c6.2 6.3 16.4 6.3 22.6 0l208-208.2c6.2-6.3 6.2-16.4 0-22.6L366.1 4.7c-6.2-6.3-16.4-6.3-22.6 0L192 156.2l-55.4-55.5c-6.2-6.3-16.4-6.3-22.6 0L68.7 146c-6.2 6.3-6.2 16.4 0 22.6l112 112.2z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tGerman lawyer fees scale with the dispute value\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLawyer fees in Germany follow a statutory schedule (RVG) that scales with the amount in dispute. A modest tenancy or employment case can easily cost four figures in fees before a verdict is reached.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66abbd67 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"66abbd67\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-double\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 174.8l-39.6-39.6c-9.4-9.4-24.6-9.4-33.9 0L192 374.7 80.6 263.2c-9.4-9.4-24.6-9.4-33.9 0L7 302.9c-9.4 9.4-9.4 24.6 0 34L175 505c9.4 9.4 24.6 9.4 33.9 0l296-296.2c9.4-9.5 9.4-24.7.1-34zm-324.3 106c6.2 6.3 16.4 6.3 22.6 0l208-208.2c6.2-6.3 6.2-16.4 0-22.6L366.1 4.7c-6.2-6.3-16.4-6.3-22.6 0L192 156.2l-55.4-55.5c-6.2-6.3-16.4-6.3-22.6 0L68.7 146c-6.2 6.3-6.2 16.4 0 22.6l112 112.2z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tYou lose, you often pay both sides\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIn many German civil proceedings, the losing party pays their own costs AND the opponent's. Without cover, an unsuccessful claim can cost multiples of what you thought was at stake.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b51c5ef elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"5b51c5ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-double\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 174.8l-39.6-39.6c-9.4-9.4-24.6-9.4-33.9 0L192 374.7 80.6 263.2c-9.4-9.4-24.6-9.4-33.9 0L7 302.9c-9.4 9.4-9.4 24.6 0 34L175 505c9.4 9.4 24.6 9.4 33.9 0l296-296.2c9.4-9.5 9.4-24.7.1-34zm-324.3 106c6.2 6.3 16.4 6.3 22.6 0l208-208.2c6.2-6.3 6.2-16.4 0-22.6L366.1 4.7c-6.2-6.3-16.4-6.3-22.6 0L192 156.2l-55.4-55.5c-6.2-6.3-16.4-6.3-22.6 0L68.7 146c-6.2 6.3-6.2 16.4 0 22.6l112 112.2z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tThe clock starts before the fight does\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tStandard policies exclude disputes that already existed at sign-up and impose a 3-month waiting period. Buying cover when trouble appears is usually too late \u2014 the value comes from having it early.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2fe9ffa9 e-flex e-con-boxed e-con e-parent\" data-id=\"2fe9ffa9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ca5b308 e-con-full e-flex e-con e-child\" data-id=\"ca5b308\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7324c99b elementor-widget elementor-widget-heading\" data-id=\"7324c99b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">How to choose<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54213553 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"54213553\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Which modules and which tariff \u2014 the real questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68e6229a elementor-widget elementor-widget-text-editor\" data-id=\"68e6229a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Choosing legal insurance in germany isn&#8217;t about finding the cheapest policy \u2014 it&#8217;s about matching modules and terms to your actual risks. Renting an apartment? You need Miet-\/Wohnungsrechtsschutz. In a German employment contract? Arbeitsrechtsschutz. Driving? Verkehr. Freelancing with clients? Vertragsrechtsschutz. The wrong module set means you pay premiums for years and are still uncovered for the one dispute that arrives. Beyond scope, three things quietly decide whether a policy pays out: <strong>waiting period, deductible level and how strictly the insurer defines &#8216;pre-existing dispute.&#8217;<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43af58e2 e-con-full e-flex e-con e-child\" data-id=\"43af58e2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79fef805 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"79fef805\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3 months<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e34ff93 elementor-widget elementor-widget-text-editor\" data-id=\"3e34ff93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The standard Wartezeit \u2014 during which most claims aren&#8217;t paid. Traffic module often exempt. This is why timing your sign-up matters more than shaving a few euros off the premium.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aa86a6f e-con-full e-flex e-con e-child\" data-id=\"3aa86a6f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e4d1178 elementor-widget elementor-widget-heading\" data-id=\"3e4d1178\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What to check before signing<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47784151 elementor-widget elementor-widget-text-editor\" data-id=\"47784151\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The details that separate two policies at a similar price:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b95346a e-grid e-con-full e-con e-child\" data-id=\"1b95346a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45dbae0a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"45dbae0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Modules matched to your exposure (tenant, employment, traffic, contract)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Waiting period \u2014 3 months standard, sometimes shorter for traffic<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Deductible you can live with (\u20ac0 costs more; \u20ac300 is common)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Coverage limit per case and per year<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18414565 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"18414565\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Geographic scope (Germany, EU, worldwide)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Mediation cover included<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">How the insurer defines a \"pre-existing dispute\"<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Free choice of lawyer without friction<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b12d515 e-flex e-con-boxed e-con e-parent\" data-id=\"2b12d515\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ff8a541 elementor-widget elementor-widget-text-editor\" data-id=\"3ff8a541\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Comparing these details across insurers is the actual work \u2014 and it&#8217;s what the free advice is for. As an independent broker we&#8217;re paid via commission already included in the premium, so getting Rechtsschutzversicherung right costs you nothing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-590385f3 e-flex e-con-boxed e-con e-parent\" data-id=\"590385f3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-545e8319 elementor-widget elementor-widget-menu-anchor\" data-id=\"545e8319\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"covered\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59916757 elementor-widget elementor-widget-heading\" data-id=\"59916757\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">What's covered<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e157162 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"6e157162\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What legal insurance typically pays for<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96efe3e elementor-widget elementor-widget-text-editor\" data-id=\"96efe3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The core costs a Rechtsschutz policy takes off your plate when a covered dispute arises.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1dc84d70 e-grid e-con-full e-con e-child\" data-id=\"1dc84d70\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-478df762 e-con-full e-flex e-con e-child\" data-id=\"478df762\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-632e3971 e-con-full e-flex e-con e-child\" data-id=\"632e3971\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b4d69b4 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7b4d69b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Covered<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ce6d688 elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"3ce6d688\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-balance-scale\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 336h-.02c0-16.18 1.34-8.73-85.05-181.51-17.65-35.29-68.19-35.36-85.87 0C-2.06 328.75.02 320.33.02 336H0c0 44.18 57.31 80 128 80s128-35.82 128-80zM128 176l72 144H56l72-144zm511.98 160c0-16.18 1.34-8.73-85.05-181.51-17.65-35.29-68.19-35.36-85.87 0-87.12 174.26-85.04 165.84-85.04 181.51H384c0 44.18 57.31 80 128 80s128-35.82 128-80h-.02zM440 320l72-144 72 144H440zm88 128H352V153.25c23.51-10.29 41.16-31.48 46.39-57.25H528c8.84 0 16-7.16 16-16V48c0-8.84-7.16-16-16-16H383.64C369.04 12.68 346.09 0 320 0s-49.04 12.68-63.64 32H112c-8.84 0-16 7.16-16 16v32c0 8.84 7.16 16 16 16h129.61c5.23 25.76 22.87 46.96 46.39 57.25V448H112c-8.84 0-16 7.16-16 16v32c0 8.84 7.16 16 16 16h416c8.84 0 16-7.16 16-16v-32c0-8.84-7.16-16-16-16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-596ad886 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"596ad886\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c18644 e-con-full e-flex e-con e-child\" data-id=\"8c18644\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fdc8a elementor-widget elementor-widget-icon-box\" data-id=\"6fdc8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLawyer fees under the statutory schedule\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tFees according to the German Rechtsanwaltsverg\u00fctungsgesetz (RVG) \u2014 across consultations, out-of-court correspondence and litigation.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e74fc21 e-con-full e-flex e-con e-child\" data-id=\"1e74fc21\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-59e8eb1b e-con-full e-flex e-con e-child\" data-id=\"59e8eb1b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10783d17 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"10783d17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Covered<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ff840fc elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"6ff840fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-landmark\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M501.62 92.11L267.24 2.04a31.958 31.958 0 0 0-22.47 0L10.38 92.11A16.001 16.001 0 0 0 0 107.09V144c0 8.84 7.16 16 16 16h480c8.84 0 16-7.16 16-16v-36.91c0-6.67-4.14-12.64-10.38-14.98zM64 192v160H48c-8.84 0-16 7.16-16 16v48h448v-48c0-8.84-7.16-16-16-16h-16V192h-64v160h-96V192h-64v160h-96V192H64zm432 256H16c-8.84 0-16 7.16-16 16v32c0 8.84 7.16 16 16 16h480c8.84 0 16-7.16 16-16v-32c0-8.84-7.16-16-16-16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32af0319 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"32af0319\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f85f2e3 e-con-full e-flex e-con e-child\" data-id=\"6f85f2e3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d41ef0a elementor-widget elementor-widget-icon-box\" data-id=\"4d41ef0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCourt costs and expert opinions\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tCourt filing fees, judicial costs and fees for court-appointed experts (Sachverst\u00e4ndige), which often outweigh lawyer costs in technical disputes.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69436ceb e-con-full e-flex e-con e-child\" data-id=\"69436ceb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-444be338 e-con-full e-flex e-con e-child\" data-id=\"444be338\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-285e1050 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"285e1050\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Covered<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b46e009 elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"6b46e009\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-gavel\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504.971 199.362l-22.627-22.627c-9.373-9.373-24.569-9.373-33.941 0l-5.657 5.657L329.608 69.255l5.657-5.657c9.373-9.373 9.373-24.569 0-33.941L312.638 7.029c-9.373-9.373-24.569-9.373-33.941 0L154.246 131.48c-9.373 9.373-9.373 24.569 0 33.941l22.627 22.627c9.373 9.373 24.569 9.373 33.941 0l5.657-5.657 39.598 39.598-81.04 81.04-5.657-5.657c-12.497-12.497-32.758-12.497-45.255 0L9.373 412.118c-12.497 12.497-12.497 32.758 0 45.255l45.255 45.255c12.497 12.497 32.758 12.497 45.255 0l114.745-114.745c12.497-12.497 12.497-32.758 0-45.255l-5.657-5.657 81.04-81.04 39.598 39.598-5.657 5.657c-9.373 9.373-9.373 24.569 0 33.941l22.627 22.627c9.373 9.373 24.569 9.373 33.941 0l124.451-124.451c9.372-9.372 9.372-24.568 0-33.941z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7242b579 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7242b579\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-24de6538 e-con-full e-flex e-con e-child\" data-id=\"24de6538\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5594912a elementor-widget elementor-widget-icon-box\" data-id=\"5594912a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tOpponent's costs if you lose\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIn German civil proceedings the losing side typically bears the winner's costs. Legal insurance covers this exposure within the sum insured.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4765224f e-con-full e-flex e-con e-child\" data-id=\"4765224f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-656639de e-con-full e-flex e-con e-child\" data-id=\"656639de\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d7ed9d4 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6d7ed9d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Covered<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b563986 elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"3b563986\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-language\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M152.1 236.2c-3.5-12.1-7.8-33.2-7.8-33.2h-.5s-4.3 21.1-7.8 33.2l-11.1 37.5H163zM616 96H336v320h280c13.3 0 24-10.7 24-24V120c0-13.3-10.7-24-24-24zm-24 120c0 6.6-5.4 12-12 12h-11.4c-6.9 23.6-21.7 47.4-42.7 69.9 8.4 6.4 17.1 12.5 26.1 18 5.5 3.4 7.3 10.5 4.1 16.2l-7.9 13.9c-3.4 5.9-10.9 7.8-16.7 4.3-12.6-7.8-24.5-16.1-35.4-24.9-10.9 8.7-22.7 17.1-35.4 24.9-5.8 3.5-13.3 1.6-16.7-4.3l-7.9-13.9c-3.2-5.6-1.4-12.8 4.2-16.2 9.3-5.7 18-11.7 26.1-18-7.9-8.4-14.9-17-21-25.7-4-5.7-2.2-13.6 3.7-17.1l6.5-3.9 7.3-4.3c5.4-3.2 12.4-1.7 16 3.4 5 7 10.8 14 17.4 20.9 13.5-14.2 23.8-28.9 30-43.2H412c-6.6 0-12-5.4-12-12v-16c0-6.6 5.4-12 12-12h64v-16c0-6.6 5.4-12 12-12h16c6.6 0 12 5.4 12 12v16h64c6.6 0 12 5.4 12 12zM0 120v272c0 13.3 10.7 24 24 24h280V96H24c-13.3 0-24 10.7-24 24zm58.9 216.1L116.4 167c1.7-4.9 6.2-8.1 11.4-8.1h32.5c5.1 0 9.7 3.3 11.4 8.1l57.5 169.1c2.6 7.8-3.1 15.9-11.4 15.9h-22.9a12 12 0 0 1-11.5-8.6l-9.4-31.9h-60.2l-9.1 31.8c-1.5 5.1-6.2 8.7-11.5 8.7H70.3c-8.2 0-14-8.1-11.4-15.9z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7888fe72 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7888fe72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-729d669e e-con-full e-flex e-con e-child\" data-id=\"729d669e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ac1ae2 elementor-widget elementor-widget-icon-box\" data-id=\"3ac1ae2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMediation and translation (tariff-dependent)\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tMany modern tariffs include out-of-court mediation and, increasingly, translation services for expats \u2014 often more useful than going to court.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a046ca9 e-flex e-con-boxed e-con e-parent\" data-id=\"6a046ca9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bec25f7 elementor-widget elementor-widget-heading\" data-id=\"bec25f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Good to know<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3124b295 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"3124b295\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Limits and exclusions worth understanding<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8b6132 elementor-widget elementor-widget-text-editor\" data-id=\"b8b6132\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Common exclusions worth knowing before you rely on a Rechtsschutz policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c087229 e-grid e-con-full e-con e-child\" data-id=\"5c087229\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3678f10c elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"3678f10c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-window-maximize\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 32H48C21.5 32 0 53.5 0 80v352c0 26.5 21.5 48 48 48h416c26.5 0 48-21.5 48-48V80c0-26.5-21.5-48-48-48zm0 394c0 3.3-2.7 6-6 6H54c-3.3 0-6-2.7-6-6V192h416v234z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPre-existing disputes\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAny dispute that already existed before you signed the policy is excluded \u2014 this is the single most common reason claims are rejected.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-528572fc elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"528572fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-house-user\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M570.69,236.27,512,184.44V48a16,16,0,0,0-16-16H432a16,16,0,0,0-16,16V99.67L314.78,10.3C308.5,4.61,296.53,0,288,0s-20.46,4.61-26.74,10.3l-256,226A18.27,18.27,0,0,0,0,248.2a18.64,18.64,0,0,0,4.09,10.71L25.5,282.7a21.14,21.14,0,0,0,12,5.3,21.67,21.67,0,0,0,10.69-4.11l15.9-14V480a32,32,0,0,0,32,32H480a32,32,0,0,0,32-32V269.88l15.91,14A21.94,21.94,0,0,0,538.63,288a20.89,20.89,0,0,0,11.87-5.31l21.41-23.81A21.64,21.64,0,0,0,576,248.19,21,21,0,0,0,570.69,236.27ZM288,176a64,64,0,1,1-64,64A64,64,0,0,1,288,176ZM400,448H176a16,16,0,0,1-16-16,96,96,0,0,1,96-96h64a96,96,0,0,1,96,96A16,16,0,0,1,400,448Z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWaiting period cases\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tMost claims arising in the first 3 months of the policy aren't covered. The traffic module is sometimes an exception.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-709464b7 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"709464b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-lock\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tIntentional acts and grossly wrongful conduct\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tCases where the insured party acted deliberately unlawfully are excluded across essentially all providers.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4de35c21 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4de35c21\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-layer-group\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M12.41 148.02l232.94 105.67c6.8 3.09 14.49 3.09 21.29 0l232.94-105.67c16.55-7.51 16.55-32.52 0-40.03L266.65 2.31a25.607 25.607 0 0 0-21.29 0L12.41 107.98c-16.55 7.51-16.55 32.53 0 40.04zm487.18 88.28l-58.09-26.33-161.64 73.27c-7.56 3.43-15.59 5.17-23.86 5.17s-16.29-1.74-23.86-5.17L70.51 209.97l-58.1 26.33c-16.55 7.5-16.55 32.5 0 40l232.94 105.59c6.8 3.08 14.49 3.08 21.29 0L499.59 276.3c16.55-7.5 16.55-32.5 0-40zm0 127.8l-57.87-26.23-161.86 73.37c-7.56 3.43-15.59 5.17-23.86 5.17s-16.29-1.74-23.86-5.17L70.29 337.87 12.41 364.1c-16.55 7.5-16.55 32.5 0 40l232.94 105.59c6.8 3.08 14.49 3.08 21.29 0L499.59 404.1c16.55-7.5 16.55-32.5 0-40z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCertain business and construction disputes\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tStandard private tariffs exclude business\/commercial disputes and construction-related claims (Baurechtsschutz), which need dedicated cover.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41a37ad6 elementor-widget elementor-widget-text-editor\" data-id=\"41a37ad6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Exact inclusions and limits vary by insurer and tariff. Part of the free advice is checking the wording against the disputes you&#8217;re actually exposed to.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2da4657 e-flex e-con-boxed e-con e-parent\" data-id=\"2da4657\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-533904c8 elementor-widget elementor-widget-heading\" data-id=\"533904c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Easily confused<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e0e11ca elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"7e0e11ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Legal vs personal liability vs household \u2014 what covers what<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49751053 elementor-widget elementor-widget-text-editor\" data-id=\"49751053\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Three policies expats often mix up \u2014 <a href=\"\/services\/liability-insurance-germany\/\">personal liability<\/a>, household contents, and legal cover. Here&#8217;s what each one actually does \u2014 and why many households eventually hold all three.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2de9e019 e-grid e-con-full e-con e-child\" data-id=\"2de9e019\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58a1047a elementor-widget elementor-widget-image\" data-id=\"58a1047a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"377\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-1024x483.png\" class=\"attachment-large size-large wp-image-104\" alt=\"\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-1024x483.png 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-300x141.png 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-768x362.png 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-1536x724.png 1536w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-2048x965.png 2048w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-18x8.png 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dbcd58d elementor-widget elementor-widget-text-editor\" data-id=\"5dbcd58d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Legal (Rechtsschutz)<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d841171 elementor-widget elementor-widget-text-editor\" data-id=\"4d841171\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong><a href=\"\/services\/liability-insurance-germany\/\">Personal liability (Haftpflicht)<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2491286c elementor-widget elementor-widget-text-editor\" data-id=\"2491286c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Household contents (Hausrat)<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f17c5d2 elementor-widget elementor-widget-text-editor\" data-id=\"4f17c5d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Protects<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79699236 elementor-widget elementor-widget-text-editor\" data-id=\"79699236\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your legal costs in a dispute<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75ff83ec elementor-widget elementor-widget-text-editor\" data-id=\"75ff83ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Other people and their property from damage you cause<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d97710f elementor-widget elementor-widget-text-editor\" data-id=\"5d97710f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your own belongings at home<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cefb4d2 elementor-widget elementor-widget-text-editor\" data-id=\"2cefb4d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Typical claim<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29e9b0df elementor-widget elementor-widget-text-editor\" data-id=\"29e9b0df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A conflict with a landlord or employer<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10a38b97 elementor-widget elementor-widget-text-editor\" data-id=\"10a38b97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You flood the neighbour&#8217;s flat<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e8f6bd elementor-widget elementor-widget-text-editor\" data-id=\"3e8f6bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your laptop is stolen in a burglary<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-260d635d elementor-widget elementor-widget-text-editor\" data-id=\"260d635d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Who should have it<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e3139bc elementor-widget elementor-widget-text-editor\" data-id=\"5e3139bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Renters, employees, drivers, freelancers<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65f82aca elementor-widget elementor-widget-text-editor\" data-id=\"65f82aca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Practically everyone in Germany<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25ee2e74 elementor-widget elementor-widget-text-editor\" data-id=\"25ee2e74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Anyone with valuables worth replacing<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58c2ab60 elementor-widget elementor-widget-text-editor\" data-id=\"58c2ab60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mandatory?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-302c302d elementor-widget elementor-widget-text-editor\" data-id=\"302c302d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No, but widely recommended<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a8e5fee elementor-widget elementor-widget-text-editor\" data-id=\"7a8e5fee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No, but widely expected by landlords<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f5e8504 elementor-widget elementor-widget-text-editor\" data-id=\"6f5e8504\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cad52c1 elementor-widget elementor-widget-text-editor\" data-id=\"4cad52c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Learn more<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40046616 elementor-widget elementor-widget-text-editor\" data-id=\"40046616\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>This page<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11908cb0 elementor-widget elementor-widget-text-editor\" data-id=\"11908cb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"\/services\/liability-insurance-germany\/\">Personal liability<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-347b5d5 elementor-widget elementor-widget-text-editor\" data-id=\"347b5d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Household<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c971153 elementor-widget elementor-widget-text-editor\" data-id=\"6c971153\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Many expats end up holding all three within their first years in Germany. On a free call we work out which you actually need \u2014 and which you can skip.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3dd3fec7 e-flex e-con-boxed e-con e-parent\" data-id=\"3dd3fec7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-715f6d62 elementor-widget elementor-widget-heading\" data-id=\"715f6d62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Good to understand<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3df9f5ac elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"3df9f5ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How legal insurance in Germany actually works<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18e8fc9e elementor-widget elementor-widget-text-editor\" data-id=\"18e8fc9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The practical details behind the product \u2014 kept short. Open only what&#8217;s relevant to you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9453a9f elementor-widget__width-initial elementor-widget elementor-widget-n-accordion\" data-id=\"9453a9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1550\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1550\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How does Rechtsschutzversicherung work in practice? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1550\" class=\"elementor-element elementor-element-78bf743f e-con-full e-flex e-con e-child\" data-id=\"78bf743f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4bc2aa33 elementor-widget elementor-widget-text-editor\" data-id=\"4bc2aa33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>When a covered dispute arises, you contact the insurer for a Deckungszusage (confirmation of cover). Once confirmed, you can instruct any licensed lawyer of your choice \u2014 the insurer settles their fees according to the <a href=\"https:\/\/www.gesetze-im-internet.de\/rvg\/\" target=\"_blank\" rel=\"noopener\">Rechtsanwaltsverg\u00fctungsgesetz (RVG)<\/a>, plus court costs and, if you lose, the opponent&#8217;s costs, up to your sum insured and minus any deductible. The insurer does not represent you; they fund the process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1551\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1551\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the waiting period (Wartezeit)? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1551\" class=\"elementor-element elementor-element-407718bc e-con-full e-flex e-con e-child\" data-id=\"407718bc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-598eeecc elementor-widget elementor-widget-text-editor\" data-id=\"598eeecc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Most modules have a 3-month waiting period from the policy start date, during which claims are generally not covered. Traffic (Verkehr) and sometimes criminal defence are commonly exempt. The waiting period is why last-minute sign-up rarely helps and why new residents are usually advised to arrange cover early.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1552\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1552\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What counts as a pre-existing dispute? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1552\" class=\"elementor-element elementor-element-26c5b4a6 e-con-full e-flex e-con e-child\" data-id=\"26c5b4a6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b4bb772 elementor-widget elementor-widget-text-editor\" data-id=\"6b4bb772\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Insurers exclude disputes whose triggering event (Rechtsschutzfall) occurred before the policy started. What counts as the triggering event varies by provider and can become the crux of a claim \u2014 some insurers use narrow, expat-friendly definitions; others read them broadly. Independent comparison is where this actually matters.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1553\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1553\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I choose my own lawyer? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1553\" class=\"elementor-element elementor-element-58d99451 e-con-full e-flex e-con e-child\" data-id=\"58d99451\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20b9dff5 elementor-widget elementor-widget-text-editor\" data-id=\"20b9dff5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes \u2014 free choice of lawyer (freie Anwaltswahl) is protected under German law, and applies to legal insurance too. You can select any licensed lawyer, including an English-speaking one. The insurer cannot force you to use a specific firm, though they may suggest options.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1554\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1554\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How does the deductible (Selbstbeteiligung) work? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1554\" class=\"elementor-element elementor-element-2fa8c1a4 e-con-full e-flex e-con e-child\" data-id=\"2fa8c1a4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fb3419c elementor-widget elementor-widget-text-editor\" data-id=\"6fb3419c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The deductible (Selbstbeteiligung) is what you pay per case before the insurer covers the rest. Common ranges are \u20ac150\u2013\u20ac300; some tariffs offer \u20ac0 at higher premiums, and others offer discounts for claim-free years. The right level depends on how you&#8217;d rather balance monthly premium against occasional out-of-pocket cost.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1555\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1555\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is legal insurance advice from a broker really free? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1555\" class=\"elementor-element elementor-element-f6a75e8 e-con-full e-flex e-con e-child\" data-id=\"f6a75e8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60253765 elementor-widget elementor-widget-text-editor\" data-id=\"60253765\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes. As an independent broker under <a href=\"https:\/\/www.gesetze-im-internet.de\/gewo\/__34d.html\" target=\"_blank\" rel=\"noopener\">\u00a734d GewO<\/a>, Christian Keller is paid by commission from the insurer once a policy is arranged, not by the client. Comparing tariffs, or reviewing existing cover, comes at no direct cost to you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How does Rechtsschutzversicherung work in practice?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"When a covered dispute arises, you contact the insurer for a Deckungszusage (confirmation of cover). Once confirmed, you can instruct any licensed lawyer of your choice \\u2014 the insurer settles their fees according to the Rechtsanwaltsverg\\u00fctungsgesetz (RVG), plus court costs and, if you lose, the opponent&#8217;s costs, up to your sum insured and minus any deductible. The insurer does not represent you; they fund the process.\"}},{\"@type\":\"Question\",\"name\":\"What is the waiting period (Wartezeit)?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Most modules have a 3-month waiting period from the policy start date, during which claims are generally not covered. Traffic (Verkehr) and sometimes criminal defence are commonly exempt. The waiting period is why last-minute sign-up rarely helps and why new residents are usually advised to arrange cover early.\"}},{\"@type\":\"Question\",\"name\":\"What counts as a pre-existing dispute?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Insurers exclude disputes whose triggering event (Rechtsschutzfall) occurred before the policy started. What counts as the triggering event varies by provider and can become the crux of a claim \\u2014 some insurers use narrow, expat-friendly definitions; others read them broadly. Independent comparison is where this actually matters.\"}},{\"@type\":\"Question\",\"name\":\"Can I choose my own lawyer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes \\u2014 free choice of lawyer (freie Anwaltswahl) is protected under German law, and applies to legal insurance too. You can select any licensed lawyer, including an English-speaking one. The insurer cannot force you to use a specific firm, though they may suggest options.\"}},{\"@type\":\"Question\",\"name\":\"How does the deductible (Selbstbeteiligung) work?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The deductible (Selbstbeteiligung) is what you pay per case before the insurer covers the rest. Common ranges are \\u20ac150\\u2013\\u20ac300; some tariffs offer \\u20ac0 at higher premiums, and others offer discounts for claim-free years. The right level depends on how you&#8217;d rather balance monthly premium against occasional out-of-pocket cost.\"}},{\"@type\":\"Question\",\"name\":\"Is legal insurance advice from a broker really free?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. As an independent broker under \\u00a734d GewO, Christian Keller is paid by commission from the insurer once a policy is arranged, not by the client. Comparing tariffs, or reviewing existing cover, comes at no direct cost to you.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-325491f4 e-flex e-con-boxed e-con e-parent\" data-id=\"325491f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e10715b elementor-widget elementor-widget-heading\" data-id=\"6e10715b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Why an independent broker<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6dc4ec8e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"6dc4ec8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Advice that works for you, not for the insurer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b597867 elementor-widget elementor-widget-text-editor\" data-id=\"6b597867\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>What an independent broker actually does \u2014 kept in numbers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5af66997 e-grid e-con-full e-con e-child\" data-id=\"5af66997\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-684ab372 e-con-full e-transform e-flex e-con e-child\" data-id=\"684ab372\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-7,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b3f352f elementor-widget elementor-widget-heading\" data-id=\"3b3f352f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">100+\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7035bbe1 elementor-widget elementor-widget-icon-box\" data-id=\"7035bbe1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tProviders compared\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWhole-of-market view of Rechtsschutz providers \u2014 we compare tariff wording, waiting-period exceptions and module scope, not just prices.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5690397b e-con-full e-transform e-flex e-con e-child\" data-id=\"5690397b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-7,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61d8dcff elementor-widget elementor-widget-heading\" data-id=\"61d8dcff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">\u00a7 34d<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3205b0f elementor-widget elementor-widget-icon-box\" data-id=\"3205b0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLicensed broker\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tRegistered insurance broker under \u00a734d GewO \u2014 legally your representative, not the insurer's salesperson.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e80e341 e-con-full e-transform e-flex e-con e-child\" data-id=\"2e80e341\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-7,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19d5fde6 elementor-widget elementor-widget-heading\" data-id=\"19d5fde6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">\u20ac0<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c514554 elementor-widget elementor-widget-icon-box\" data-id=\"2c514554\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAdvice is free\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tBrokers are paid via commission already included in the premium. Your policy costs the same, with or without us.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55dbb59e e-con-full e-transform e-flex e-con e-child\" data-id=\"55dbb59e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-7,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f9439c5 elementor-widget elementor-widget-heading\" data-id=\"1f9439c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">EN \/ DE<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-675220b0 elementor-widget elementor-widget-icon-box\" data-id=\"675220b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tEnglish-speaking support\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSetup, module choices, documents and claims handled in English or German \u2014 whichever is easier for you.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7cddca5f e-con-full e-transform e-flex e-con e-child\" data-id=\"7cddca5f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-7,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61f1ea4d elementor-widget elementor-widget-heading\" data-id=\"61f1ea4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">1<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37f2e660 elementor-widget elementor-widget-icon-box\" data-id=\"37f2e660\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tNamed contact\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tOne person who knows your file \u2014 from choosing the modules through to a claim years later.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18dd7249 e-con-full e-transform e-flex e-con e-child\" data-id=\"18dd7249\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-7,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3430e51f elementor-widget elementor-widget-heading\" data-id=\"3430e51f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">5000+\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-318ac8ca elementor-widget elementor-widget-icon-box\" data-id=\"318ac8ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tClients advised\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tInsert your real figure once available \u2014 a verified client count builds strong trust here.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4751c2d4 e-flex e-con-boxed e-con e-parent\" data-id=\"4751c2d4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45da3dba elementor-widget elementor-widget-heading\" data-id=\"45da3dba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Your questions answered<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23d6c7ff elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"23d6c7ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Legal insurance in Germany \u2014 FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1dd4772 elementor-widget__width-initial elementor-widget elementor-widget-n-accordion\" data-id=\"1dd4772\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3120\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-3120\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is legal insurance mandatory in Germany? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3120\" class=\"elementor-element elementor-element-2231e5ec e-con-full e-flex e-con e-child\" data-id=\"2231e5ec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-360beec8 elementor-widget elementor-widget-text-editor\" data-id=\"360beec8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No, Rechtsschutzversicherung is not required by law. It is, however, one of the most widely recommended policies for residents, because German lawyer and court fees scale with the amount in dispute and can quickly reach four figures even for routine tenancy or employment cases.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3121\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3121\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What does legal insurance cover in Germany? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3121\" class=\"elementor-element elementor-element-5de76bce e-con-full e-flex e-con e-child\" data-id=\"5de76bce\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13340fa4 elementor-widget elementor-widget-text-editor\" data-id=\"13340fa4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Standard modules cover tenant, employment, traffic and contract disputes \u2014 including lawyer fees under the <a href=\"https:\/\/www.gesetze-im-internet.de\/rvg\/\" target=\"_blank\" rel=\"noopener\">RVG schedule<\/a>, court costs, expert opinions and, if you lose, the opponent&#8217;s costs up to your sum insured. Modules are chosen individually, so cover matches your actual situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3122\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3122\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is there a waiting period for legal insurance? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3122\" class=\"elementor-element elementor-element-333f211a e-con-full e-flex e-con e-child\" data-id=\"333f211a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46b28af7 elementor-widget elementor-widget-text-editor\" data-id=\"46b28af7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes, typically 3 months (Wartezeit) from the policy start date. The traffic module and criminal defence cover are sometimes exempt. Any dispute whose triggering event occurred before sign-up is excluded as pre-existing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3123\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3123\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I pick an English-speaking lawyer? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3123\" class=\"elementor-element elementor-element-6b7e565c e-con-full e-flex e-con e-child\" data-id=\"6b7e565c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72c6dd5c elementor-widget elementor-widget-text-editor\" data-id=\"72c6dd5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes. Free choice of lawyer (freie Anwaltswahl) is protected under German law and applies to legal insurance too. You can appoint any licensed lawyer, including one who works in English \u2014 the insurer cannot force you to use their preferred firm.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3124\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3124\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much is the deductible? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3124\" class=\"elementor-element elementor-element-6f8cfc5 e-con-full e-flex e-con e-child\" data-id=\"6f8cfc5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-251bb0cf elementor-widget elementor-widget-text-editor\" data-id=\"251bb0cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Common deductibles range from \u20ac150 to \u20ac300 per case, though tariffs with \u20ac0 deductible or claim-free discounts exist at higher premiums. The right level is a personal trade-off between monthly cost and occasional out-of-pocket exposure.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3125\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3125\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Does legal insurance cover disputes that already started? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3125\" class=\"elementor-element elementor-element-2c5402f8 e-con-full e-flex e-con e-child\" data-id=\"2c5402f8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50eee9f3 elementor-widget elementor-widget-text-editor\" data-id=\"50eee9f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No. Insurers exclude disputes whose triggering event occurred before the policy started, and the exact definition of that trigger varies between providers. This is where independent comparison matters most.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3126\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3126\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do I pay you for legal insurance advice? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3126\" class=\"elementor-element elementor-element-4abae187 e-con-full e-flex e-con e-child\" data-id=\"4abae187\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b6efa56 elementor-widget elementor-widget-text-editor\" data-id=\"6b6efa56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No. Christian Keller works as an independent broker under <a href=\"https:\/\/www.gesetze-im-internet.de\/gewo\/__34d.html\" target=\"_blank\" rel=\"noopener\">\u00a734d GewO<\/a> and is paid by commission from the insurer once cover is arranged, so comparing legal insurance in germany across providers costs you nothing directly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Is legal insurance mandatory in Germany?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, Rechtsschutzversicherung is not required by law. It is, however, one of the most widely recommended policies for residents, because German lawyer and court fees scale with the amount in dispute and can quickly reach four figures even for routine tenancy or employment cases.\"}},{\"@type\":\"Question\",\"name\":\"What does legal insurance cover in Germany?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Standard modules cover tenant, employment, traffic and contract disputes \\u2014 including lawyer fees under the RVG schedule, court costs, expert opinions and, if you lose, the opponent&#8217;s costs up to your sum insured. Modules are chosen individually, so cover matches your actual situation.\"}},{\"@type\":\"Question\",\"name\":\"Is there a waiting period for legal insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, typically 3 months (Wartezeit) from the policy start date. The traffic module and criminal defence cover are sometimes exempt. Any dispute whose triggering event occurred before sign-up is excluded as pre-existing.\"}},{\"@type\":\"Question\",\"name\":\"Can I pick an English-speaking lawyer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Free choice of lawyer (freie Anwaltswahl) is protected under German law and applies to legal insurance too. You can appoint any licensed lawyer, including one who works in English \\u2014 the insurer cannot force you to use their preferred firm.\"}},{\"@type\":\"Question\",\"name\":\"How much is the deductible?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Common deductibles range from \\u20ac150 to \\u20ac300 per case, though tariffs with \\u20ac0 deductible or claim-free discounts exist at higher premiums. The right level is a personal trade-off between monthly cost and occasional out-of-pocket exposure.\"}},{\"@type\":\"Question\",\"name\":\"Does legal insurance cover disputes that already started?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Insurers exclude disputes whose triggering event occurred before the policy started, and the exact definition of that trigger varies between providers. This is where independent comparison matters most.\"}},{\"@type\":\"Question\",\"name\":\"Do I pay you for legal insurance advice?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Christian Keller works as an independent broker under \\u00a734d GewO and is paid by commission from the insurer once cover is arranged, so comparing legal insurance in germany across providers costs you nothing directly.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2cb7bac e-flex e-con-boxed e-con e-parent\" data-id=\"2cb7bac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b0c7ac9 elementor-widget elementor-widget-heading\" data-id=\"b0c7ac9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cover expats often sort out alongside<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a268b76 elementor-widget elementor-widget-text-editor\" data-id=\"a268b76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"s1\">Image created with AI<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-273cfbb e-grid e-con-full e-con e-child\" data-id=\"273cfbb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37d4446 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"37d4446\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/insure-germany.com\/services\/business-insurance-germany-freelancers\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/business-insurance-germany-freelancers-independent-broker.webp\" class=\"attachment-full size-full wp-image-1185\" alt=\"Business insurance for freelancers in Germany \u2014 Betriebshaftpflicht, Berufshaftpflicht and Verm\u00f6gensschadenhaftpflicht explained\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/business-insurance-germany-freelancers-independent-broker.webp 1536w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/business-insurance-germany-freelancers-independent-broker-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/business-insurance-germany-freelancers-independent-broker-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/business-insurance-germany-freelancers-independent-broker-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/business-insurance-germany-freelancers-independent-broker-18x12.webp 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/insure-germany.com\/services\/business-insurance-germany-freelancers\/\"> Business Insurance \u2192<\/a><\/h3><p class=\"elementor-image-box-description\">Protect your business against the risks that come with running a company in Germany.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2ec04f elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"b2ec04f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/insure-germany.com\/services\/pet-insurance-germany\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1535\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-liability-vet-cover.webp\" class=\"attachment-full size-full wp-image-1144\" alt=\"Pet insurance Germany explained \u2013 dog liability insurance and pet health insurance for expats choosing pet cover in Germany\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-liability-vet-cover.webp 1535w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-liability-vet-cover-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-liability-vet-cover-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-liability-vet-cover-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-liability-vet-cover-18x12.webp 18w\" sizes=\"(max-width: 1535px) 100vw, 1535px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/insure-germany.com\/services\/pet-insurance-germany\/\">Pet health insurance \u2192<\/a><\/h3><p class=\"elementor-image-box-description\">Covers vet bills, treatment and surgery \u2014 depending on the level of cover.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62459a9 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"62459a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/insure-germany.com\/services\/health-insurance-germany-expats\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1535\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-medical-insurance-germany-gkv-pkv.webp\" class=\"attachment-full size-full wp-image-1000\" alt=\"Private medical insurance Germany \u2013 GKV vs. PKV health insurance for expats\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-medical-insurance-germany-gkv-pkv.webp 1535w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-medical-insurance-germany-gkv-pkv-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-medical-insurance-germany-gkv-pkv-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-medical-insurance-germany-gkv-pkv-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-medical-insurance-germany-gkv-pkv-18x12.webp 18w\" sizes=\"(max-width: 1535px) 100vw, 1535px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/insure-germany.com\/services\/health-insurance-germany-expats\/\">Health insurance for expats \u2192<\/a><\/h3><p class=\"elementor-image-box-description\">Public vs private, explained - and set up in English.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c998fd elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"2c998fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/insure-germany.com\/services\/private-pension-germany\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1535\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-pension-germany-expats-retirement-guide.webp\" class=\"attachment-full size-full wp-image-883\" alt=\"Private pension Germany guide for expats covering retirement planning, pension options and financial security\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-pension-germany-expats-retirement-guide.webp 1535w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-pension-germany-expats-retirement-guide-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-pension-germany-expats-retirement-guide-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-pension-germany-expats-retirement-guide-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-pension-germany-expats-retirement-guide-18x12.webp 18w\" sizes=\"(max-width: 1535px) 100vw, 1535px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/insure-germany.com\/services\/private-pension-germany\/\">Private pension \u2192<\/a><\/h3><p class=\"elementor-image-box-description\">Build long-term retirement savings in Germany with a plan that fits your life and goals.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21d89f1 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"21d89f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/insure-germany.com\/services\/legal-insurance-germany\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-independent-broker.webp\" class=\"attachment-full size-full wp-image-1100\" alt=\"Legal insurance Germany for expats \u2013 compare Rechtsschutzversicherung options with an independent broker\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-independent-broker.webp 1536w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-independent-broker-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-independent-broker-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-independent-broker-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-independent-broker-18x12.webp 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/insure-germany.com\/services\/legal-insurance-germany\/\">Legal insurance \u2192<\/a><\/h3><p class=\"elementor-image-box-description\">Get financial protection for legal disputes involving work, housing, traffic or everyday life in Germany.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd75a61 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"fd75a61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/insure-germany.com\/services\/liability-insurance-germany\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/personal-liability-insurance-germany-independent-broker.png.webp\" class=\"attachment-full size-full wp-image-666\" alt=\"liability-insurance-germany-independent-broker\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/personal-liability-insurance-germany-independent-broker.png.webp 1536w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/personal-liability-insurance-germany-independent-broker.png-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/personal-liability-insurance-germany-independent-broker.png-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/personal-liability-insurance-germany-independent-broker.png-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/personal-liability-insurance-germany-independent-broker.png-18x12.webp 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/insure-germany.com\/services\/liability-insurance-germany\/\">Personal liability \u2192<\/a><\/h3><p class=\"elementor-image-box-description\">Protect yourself from costly claims if you accidentally injure someone or damage their property.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58ad0fd1 e-flex e-con-boxed e-con e-parent\" data-id=\"58ad0fd1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2082c799 elementor-widget elementor-widget-html\" data-id=\"2082c799\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n\/* ============================================================\n   INSURE GERMANY \u2013 STICKY HEADER + DROPDOWN STACKING FIX\n   ============================================================ *\/\n\n\n\/* ============================================================\n   1. PREHEADER\n   ============================================================ *\/\n\n#ig-preheader {\n  position: relative;\n  z-index: 50001;\n}\n\n\n\/* ============================================================\n   2. OUTER HEADER \/ UAE HEADER FOOTER BUILDER\n   Wichtig: gesamter Header muss \u00fcber #ig-tabnav liegen\n   ============================================================ *\/\n\n.site-header,\n#masthead,\n.elementor-location-header,\n.hfe-site-header,\n.hfe-header,\n.elementor-header {\n  position: relative;\n  z-index: 50000 !important;\n  overflow: visible !important;\n}\n\n\n\/* ============================================================\n   3. MAIN HEADER\n   Elementor Container besitzt CSS-ID: ig-header\n   ============================================================ *\/\n\n#ig-header {\n  position: relative;\n\n  z-index: 50000 !important;\n\n  width: 100%;\n\n  overflow: visible !important;\n\n  background: rgba(255,255,255,.96);\n\n  backdrop-filter: blur(10px);\n  -webkit-backdrop-filter: blur(10px);\n\n  border-bottom: 1px solid rgba(0,0,0,.08);\n\n  transition:\n    box-shadow .3s ease,\n    background .3s ease;\n}\n\n\n\/* Sticky \/ Fixed State *\/\n\n#ig-header.ig-fixed {\n  position: fixed;\n\n  left: 0;\n  right: 0;\n\n  z-index: 50000 !important;\n\n  box-shadow: 0 2px 20px rgba(0,0,0,.08);\n}\n\n\n\/* ============================================================\n   4. HEADER PLACEHOLDER\n   Verhindert Layout-Sprung beim Fixieren\n   ============================================================ *\/\n\n#ig-header-placeholder {\n  display: none;\n  width: 100%;\n}\n\n\n\/* ============================================================\n   5. ELEMENTOR \/ UAE WRAPPER\n   Dropdown darf nicht durch Parent-Container abgeschnitten werden\n   ============================================================ *\/\n\n#ig-header,\n#ig-header .e-con,\n#ig-header .e-con-inner,\n#ig-header .elementor,\n#ig-header .elementor-element,\n#ig-header .elementor-widget,\n#ig-header .elementor-widget-container {\n  overflow: visible !important;\n}\n\n\n\/* ============================================================\n   6. UAE \/ WORDPRESS DROPDOWN\n   ============================================================ *\/\n\n#ig-header .sub-menu,\n#ig-header ul.sub-menu,\n#ig-header .uael-sub-menu,\n#ig-header .uael-nav-menu__submenu {\n  z-index: 60000 !important;\n}\n\n\n\/* Manche UAE Versionen erzeugen zus\u00e4tzliche Wrapper *\/\n\n#ig-header .uael-nav-menu,\n#ig-header .uael-nav-menu__toggle,\n#ig-header .uael-nav-menu__container,\n#ig-header .uael-nav-menu__layout-horizontal {\n  position: relative;\n  z-index: 55000 !important;\n  overflow: visible !important;\n}\n\n\n\/* ============================================================\n   7. SECONDARY STICKY TAB NAV\n   Muss unter dem Main Header + Dropdown liegen\n   ============================================================ *\/\n\n#ig-tabnav,\n#ig-tabnav.ig-tab-fixed {\n  z-index: 5000 !important;\n}\n\n\n\/* ============================================================\n   8. ELEMENTOR EDITOR\n   Im Editor Header nicht fixieren\n   ============================================================ *\/\n\nbody.elementor-editor-active #ig-header {\n  position: relative !important;\n  top: auto !important;\n}\n\nbody.elementor-editor-active #ig-header-placeholder {\n  display: none !important;\n}\n\n<\/style>\n\n\n<script>\ndocument.addEventListener('DOMContentLoaded', function () {\n\n  const header = document.getElementById('ig-header');\n  const preheader = document.getElementById('ig-preheader');\n\n  if (!header) return;\n\n\n  \/* ==========================================================\n     PLACEHOLDER ERSTELLEN\n     ========================================================== *\/\n\n  let placeholder = document.getElementById('ig-header-placeholder');\n\n  if (!placeholder) {\n\n    placeholder = document.createElement('div');\n\n    placeholder.id = 'ig-header-placeholder';\n\n    header.parentNode.insertBefore(\n      placeholder,\n      header\n    );\n\n  }\n\n\n  \/* ==========================================================\n     WORDPRESS ADMIN BAR\n     ========================================================== *\/\n\n  function getAdminBarHeight() {\n\n    const adminBar =\n      document.getElementById('wpadminbar');\n\n    if (!adminBar) {\n      return 0;\n    }\n\n    if (\n      window.getComputedStyle(adminBar).display === 'none'\n    ) {\n      return 0;\n    }\n\n    return adminBar.offsetHeight;\n\n  }\n\n\n  \/* ==========================================================\n     ORIGINAL HEADER POSITION\n     ========================================================== *\/\n\n  let headerTrigger = null;\n\n  function calculateTrigger() {\n\n    \/*\n     Wenn ein Preheader vorhanden ist:\n     Header wird sticky sobald der Preheader\n     aus dem sichtbaren Bereich gescrollt wurde.\n    *\/\n\n    if (preheader) {\n\n      let element = preheader;\n      let top = 0;\n\n      while (element) {\n\n        top += element.offsetTop || 0;\n\n        element = element.offsetParent;\n\n      }\n\n      headerTrigger =\n        top + preheader.offsetHeight;\n\n      return;\n\n    }\n\n\n    \/*\n     Falls kein Preheader vorhanden ist,\n     urspr\u00fcngliche Position des Headers verwenden.\n    *\/\n\n    let element = header;\n    let top = 0;\n\n    while (element) {\n\n      top += element.offsetTop || 0;\n\n      element = element.offsetParent;\n\n    }\n\n    headerTrigger = top;\n\n  }\n\n\n  \/* ==========================================================\n     STICKY HEADER LOGIK\n     ========================================================== *\/\n\n  function updateHeader() {\n\n    \/*\n     Elementor Editor:\n     keine Sticky-Funktion ausf\u00fchren.\n    *\/\n\n    if (\n      document.body.classList.contains(\n        'elementor-editor-active'\n      )\n    ) {\n      return;\n    }\n\n\n    if (headerTrigger === null) {\n      calculateTrigger();\n    }\n\n\n    const adminHeight =\n      getAdminBarHeight();\n\n\n    if (\n      window.scrollY >=\n      (headerTrigger - adminHeight)\n    ) {\n\n      \/*\n       Placeholder h\u00e4lt den urspr\u00fcnglichen\n       Platz des Headers im Dokument.\n      *\/\n\n      placeholder.style.height =\n        header.offsetHeight + 'px';\n\n      placeholder.style.display =\n        'block';\n\n\n      \/*\n       Header fixieren.\n      *\/\n\n      header.classList.add(\n        'ig-fixed'\n      );\n\n\n      \/*\n       Unterhalb WordPress Admin Bar positionieren.\n      *\/\n\n      header.style.top =\n        adminHeight + 'px';\n\n    }\n\n    else {\n\n      \/*\n       Header wieder in normalen Flow setzen.\n      *\/\n\n      header.classList.remove(\n        'ig-fixed'\n      );\n\n      header.style.top =\n        '';\n\n\n      \/*\n       Placeholder entfernen.\n      *\/\n\n      placeholder.style.display =\n        'none';\n\n      placeholder.style.height =\n        '0px';\n\n    }\n\n  }\n\n\n  \/* ==========================================================\n     INITIALISIERUNG\n     ========================================================== *\/\n\n  setTimeout(function () {\n\n    headerTrigger = null;\n\n    calculateTrigger();\n\n    updateHeader();\n\n  }, 300);\n\n\n  updateHeader();\n\n\n  \/* ==========================================================\n     SCROLL\n     ========================================================== *\/\n\n  window.addEventListener(\n    'scroll',\n    updateHeader,\n    { passive: true }\n  );\n\n\n  \/* ==========================================================\n     RESIZE\n     ========================================================== *\/\n\n  window.addEventListener(\n    'resize',\n    function () {\n\n      \/*\n       Positionen und H\u00f6hen k\u00f6nnen sich\n       beim Responsive Breakpoint \u00e4ndern.\n      *\/\n\n      headerTrigger = null;\n\n      calculateTrigger();\n\n      updateHeader();\n\n    }\n  );\n\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-501862db elementor-widget elementor-widget-html\" data-id=\"501862db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n\/* ============================================================\n   INSURE GERMANY \u2013 MOBILE \/ TABLET STICKY HEADER\n   CSS-ID des mobilen Header-Containers:\n   ig-header-mobile\n   ============================================================ *\/\n\n#ig-header-mobile{\n  position:relative;\n  z-index:50000 !important;\n\n  width:100%;\n\n  background:rgba(255,255,255,.96);\n\n  backdrop-filter:blur(10px);\n  -webkit-backdrop-filter:blur(10px);\n\n  border-bottom:1px solid rgba(0,0,0,.08);\n\n  overflow:visible !important;\n\n  transition:\n    box-shadow .3s ease,\n    background .3s ease;\n}\n\n\n\/* Sticky State *\/\n#ig-header-mobile.ig-mobile-fixed{\n  position:fixed;\n\n  left:0;\n  right:0;\n\n  z-index:50000 !important;\n\n  box-shadow:0 2px 18px rgba(0,0,0,.08);\n}\n\n\n\/* Placeholder verhindert Layout-Sprung *\/\n#ig-header-mobile-placeholder{\n  display:none;\n  width:100%;\n}\n\n\n\/* Elementor Wrapper offen halten *\/\n#ig-header-mobile .e-con,\n#ig-header-mobile .e-con-inner,\n#ig-header-mobile .elementor-element,\n#ig-header-mobile .elementor-widget,\n#ig-header-mobile .elementor-widget-container{\n  overflow:visible !important;\n}\n\n\n\/* Elementor Editor *\/\nbody.elementor-editor-active #ig-header-mobile{\n  position:relative !important;\n  top:auto !important;\n}\n\nbody.elementor-editor-active #ig-header-mobile-placeholder{\n  display:none !important;\n}\n\n\n\/* Nur Tablet + Mobile *\/\n@media(min-width:1025px){\n\n  #ig-header-mobile,\n  #ig-header-mobile-placeholder{\n    display:none !important;\n  }\n\n}\n<\/style>\n\n\n<script>\ndocument.addEventListener('DOMContentLoaded', function () {\n\n  const header =\n    document.getElementById('ig-header-mobile');\n\n  if (!header) return;\n\n\n  \/* ==========================================================\n     Placeholder\n     ========================================================== *\/\n\n  let placeholder =\n    document.getElementById(\n      'ig-header-mobile-placeholder'\n    );\n\n  if (!placeholder) {\n\n    placeholder =\n      document.createElement('div');\n\n    placeholder.id =\n      'ig-header-mobile-placeholder';\n\n    header.parentNode.insertBefore(\n      placeholder,\n      header\n    );\n\n  }\n\n\n  \/* ==========================================================\n     WordPress Admin Bar\n     ========================================================== *\/\n\n  function getAdminBarHeight(){\n\n    const bar =\n      document.getElementById('wpadminbar');\n\n    if (!bar) return 0;\n\n    if (\n      window.getComputedStyle(bar).display === 'none'\n    ){\n      return 0;\n    }\n\n    return bar.offsetHeight;\n\n  }\n\n\n  \/* ==========================================================\n     Header Original Position\n     ========================================================== *\/\n\n  let triggerTop = null;\n\n\n  function calculateTrigger(){\n\n    let element = header;\n    let top = 0;\n\n    while(element){\n\n      top += element.offsetTop || 0;\n\n      element = element.offsetParent;\n\n    }\n\n    triggerTop = top;\n\n  }\n\n\n  \/* ==========================================================\n     Sticky Logic\n     ========================================================== *\/\n\n  function updateMobileHeader(){\n\n    \/*\n      Desktop nicht bearbeiten\n    *\/\n    if(window.innerWidth > 1024){\n\n      header.classList.remove(\n        'ig-mobile-fixed'\n      );\n\n      header.style.top = '';\n\n      placeholder.style.display =\n        'none';\n\n      placeholder.style.height =\n        '0px';\n\n      return;\n    }\n\n\n    \/*\n      Elementor Editor\n    *\/\n    if(\n      document.body.classList.contains(\n        'elementor-editor-active'\n      )\n    ){\n      return;\n    }\n\n\n    if(triggerTop === null){\n      calculateTrigger();\n    }\n\n\n    const adminHeight =\n      getAdminBarHeight();\n\n\n    if(\n      window.scrollY >=\n      (triggerTop - adminHeight)\n    ){\n\n      placeholder.style.height =\n        header.offsetHeight + 'px';\n\n      placeholder.style.display =\n        'block';\n\n      header.classList.add(\n        'ig-mobile-fixed'\n      );\n\n      header.style.top =\n        adminHeight + 'px';\n\n    }\n\n    else{\n\n      header.classList.remove(\n        'ig-mobile-fixed'\n      );\n\n      header.style.top = '';\n\n      placeholder.style.display =\n        'none';\n\n      placeholder.style.height =\n        '0px';\n\n    }\n\n  }\n\n\n  \/* ==========================================================\n     Initial\n     ========================================================== *\/\n\n  setTimeout(function(){\n\n    triggerTop = null;\n\n    calculateTrigger();\n\n    updateMobileHeader();\n\n  },300);\n\n\n  updateMobileHeader();\n\n\n  \/* ==========================================================\n     Scroll\n     ========================================================== *\/\n\n  window.addEventListener(\n    'scroll',\n    updateMobileHeader,\n    {passive:true}\n  );\n\n\n  \/* ==========================================================\n     Resize\n     ========================================================== *\/\n\n  window.addEventListener(\n    'resize',\n    function(){\n\n      triggerTop = null;\n\n      calculateTrigger();\n\n      updateMobileHeader();\n\n    }\n  );\n\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4549ed72 elementor-widget elementor-widget-html\" data-id=\"4549ed72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n\/* ============================================================\n   INSURE GERMANY \u2013 STICKY TAB NAV\n   ============================================================ *\/\n\n#ig-tabnav {\n  display: flex !important;\n  flex-wrap: nowrap !important;\n  align-items: center !important;\n\n  position: relative;\n  z-index: 9999;\n\n  width: 100%;\n\n  background: rgba(255,255,255,.96);\n\n  backdrop-filter: blur(10px);\n  -webkit-backdrop-filter: blur(10px);\n\n  border-bottom: 1px solid rgba(0,0,0,.08);\n\n  transition:\n    box-shadow .3s ease,\n    background .3s ease;\n}\n\n\n\/* Sticky state *\/\n#ig-tabnav.ig-tab-fixed {\n  position: fixed;\n  left: 0;\n  right: 0;\n  z-index: 9999;\n\n  box-shadow: 0 2px 12px rgba(0,0,0,.06);\n}\n\n\n\/* Placeholder prevents layout jump *\/\n#ig-tabnav-placeholder {\n  display: none;\n  width: 100%;\n}\n\n\n\/* Elementor Editor *\/\nbody.elementor-editor-active #ig-tabnav {\n  position: relative !important;\n}\n\nbody.elementor-editor-active #ig-tabnav-placeholder {\n  display: none !important;\n}\n\n\n\/* ============================================================\n   ACTIVE TAB\n   ============================================================ *\/\n\n\/* normal *\/\n#ig-tabnav a,\n#ig-tabnav .elementor-button-text {\n  transition: color .25s ease;\n}\n\n\/* active Elementor button *\/\n#ig-tabnav .ig-tab-active .elementor-button-text,\n#ig-tabnav .ig-tab-active a {\n  color: #F5A015 !important;\n}\n\n\n\/* ============================================================\n   HORIZONTAL SCROLL\n   ============================================================ *\/\n\n.ig-tab-scroll,\n.elementor-container.ig-tab-scroll,\n.e-container.ig-tab-scroll,\n.e-flex.ig-tab-scroll {\n\n  overflow-x: auto !important;\n  overflow-y: hidden !important;\n\n  flex-wrap: nowrap !important;\n\n  -webkit-overflow-scrolling: touch !important;\n\n  scrollbar-width: none !important;\n  -ms-overflow-style: none !important;\n\n  scroll-behavior: smooth;\n}\n\n\n\/* Hide scrollbar *\/\n.ig-tab-scroll::-webkit-scrollbar,\n.elementor-container.ig-tab-scroll::-webkit-scrollbar,\n.e-container.ig-tab-scroll::-webkit-scrollbar,\n.e-flex.ig-tab-scroll::-webkit-scrollbar {\n  display: none !important;\n}\n\n\n\/* Children never wrap *\/\n.ig-tab-scroll > *,\n.elementor-container.ig-tab-scroll > .elementor-column,\n.e-container.ig-tab-scroll > .e-con,\n.e-flex.ig-tab-scroll > .e-con {\n\n  flex-shrink: 0 !important;\n\n  width: auto !important;\n  min-width: max-content !important;\n}\n\n\n\/* ============================================================\n   MOBILE\n   ============================================================ *\/\n\n@media (max-width: 767px) {\n\n  #ig-tabnav {\n    overflow: hidden;\n  }\n\n  .ig-tab-scroll {\n    justify-content: flex-start !important;\n\n    padding-left: 14px;\n    padding-right: 14px;\n\n    gap: 8px;\n  }\n\n}\n<\/style>\n\n\n<script>\ndocument.addEventListener('DOMContentLoaded', function () {\n\n  const tabnav = document.getElementById('ig-tabnav');\n\n  if (!tabnav) return;\n\n\n  \/* ==========================================================\n     PLACEHOLDER\n     ========================================================== *\/\n\n  let placeholder =\n    document.getElementById('ig-tabnav-placeholder');\n\n  if (!placeholder) {\n\n    placeholder = document.createElement('div');\n    placeholder.id = 'ig-tabnav-placeholder';\n\n    tabnav.parentNode.insertBefore(\n      placeholder,\n      tabnav\n    );\n\n  }\n\n\n  let triggerTop = null;\n\n\n  \/* ==========================================================\n     ORIGINAL POSITION\n     ========================================================== *\/\n\n  function getTrigger() {\n\n    if (triggerTop !== null) {\n      return triggerTop;\n    }\n\n    let element = tabnav;\n    let top = 0;\n\n    while (element) {\n\n      top += element.offsetTop || 0;\n\n      element = element.offsetParent;\n\n    }\n\n    triggerTop = top;\n\n    return triggerTop;\n\n  }\n\n\n  \/* ==========================================================\n     ADMIN BAR\n     ========================================================== *\/\n\n  function getAdminBarHeight() {\n\n    const bar =\n      document.getElementById('wpadminbar');\n\n    if (!bar) return 0;\n\n    if (\n      window.getComputedStyle(bar).display === 'none'\n    ) {\n      return 0;\n    }\n\n    return bar.offsetHeight;\n\n  }\n\n\n  \/* ==========================================================\n     HEADER HEIGHT\n     ========================================================== *\/\n\n  function getHeaderHeight() {\n\n    const ids = [\n      'ig-header',\n      'ig-header-tablet',\n      'ig-header-mobile'\n    ];\n\n    for (let i = 0; i < ids.length; i++) {\n\n      const header =\n        document.getElementById(ids[i]);\n\n      if (\n        header &&\n        window.getComputedStyle(header).display !== 'none' &&\n        header.offsetHeight > 0\n      ) {\n        return header.offsetHeight;\n      }\n\n    }\n\n    return 0;\n\n  }\n\n\n  \/* ==========================================================\n     STICKY LOGIC\n     ========================================================== *\/\n\n  function updateTabNav() {\n\n    const adminHeight =\n      getAdminBarHeight();\n\n    const headerHeight =\n      getHeaderHeight();\n\n    const offset =\n      adminHeight + headerHeight;\n\n    const trigger =\n      getTrigger() - offset;\n\n\n    if (window.scrollY >= trigger) {\n\n      placeholder.style.height =\n        tabnav.offsetHeight + 'px';\n\n      placeholder.style.display =\n        'block';\n\n      tabnav.classList.add(\n        'ig-tab-fixed'\n      );\n\n      tabnav.style.top =\n        offset + 'px';\n\n    }\n\n    else {\n\n      tabnav.classList.remove(\n        'ig-tab-fixed'\n      );\n\n      placeholder.style.display =\n        'none';\n\n      placeholder.style.height =\n        '0px';\n\n      tabnav.style.top =\n        '';\n\n    }\n\n  }\n\n\n  \/* ==========================================================\n     SCROLL SPY\n     ========================================================== *\/\n\n  const navLinks =\n    tabnav.querySelectorAll('a[href^=\"#\"]');\n\n\n  function updateActiveTab() {\n\n    const offset =\n      getAdminBarHeight() +\n      getHeaderHeight() +\n      tabnav.offsetHeight +\n      20;\n\n    let currentId = null;\n\n\n    navLinks.forEach(function(link) {\n\n      const targetId =\n        link.getAttribute('href');\n\n      if (!targetId || targetId === '#') {\n        return;\n      }\n\n      const target =\n        document.querySelector(targetId);\n\n      if (!target) {\n        return;\n      }\n\n      const rect =\n        target.getBoundingClientRect();\n\n      const top =\n        rect.top + window.scrollY;\n\n      if (\n        window.scrollY + offset >= top\n      ) {\n        currentId = targetId;\n      }\n\n    });\n\n\n    navLinks.forEach(function(link) {\n\n      const buttonWidget =\n        link.closest('.elementor-widget-button');\n\n      if (!buttonWidget) return;\n\n      if (\n        link.getAttribute('href') === currentId\n      ) {\n\n        buttonWidget.classList.add(\n          'ig-tab-active'\n        );\n\n      }\n\n      else {\n\n        buttonWidget.classList.remove(\n          'ig-tab-active'\n        );\n\n      }\n\n    });\n\n  }\n\n\n  \/* ==========================================================\n     INITIAL\n     ========================================================== *\/\n\n  setTimeout(function () {\n\n    triggerTop = null;\n\n    updateTabNav();\n    updateActiveTab();\n\n  }, 500);\n\n\n  updateTabNav();\n  updateActiveTab();\n\n\n  \/* ==========================================================\n     SCROLL\n     ========================================================== *\/\n\n  window.addEventListener(\n    'scroll',\n    function () {\n\n      updateTabNav();\n      updateActiveTab();\n\n    },\n    { passive: true }\n  );\n\n\n  \/* ==========================================================\n     RESIZE\n     ========================================================== *\/\n\n  window.addEventListener(\n    'resize',\n    function () {\n\n      triggerTop = null;\n\n      updateTabNav();\n      updateActiveTab();\n\n    }\n  );\n\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6227021f e-flex e-con-boxed e-con e-parent\" data-id=\"6227021f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1b5e61c9 e-con-full e-flex e-con e-child\" data-id=\"1b5e61c9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14f172d5 elementor-widget elementor-widget-image\" data-id=\"14f172d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118.webp\" class=\"attachment-large size-large wp-image-251\" alt=\"\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118.webp 800w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118-300x300.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118-150x150.webp 150w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118-768x768.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118-12x12.webp 12w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-336a08ef e-con-full e-flex e-con e-child\" data-id=\"336a08ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c520c6f elementor-widget elementor-widget-heading\" data-id=\"3c520c6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get legal cover sorted \u2014 before you need it<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c68caf8 elementor-widget elementor-widget-text-editor\" data-id=\"c68caf8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Book a free 30-minute call and get an independent, English-language walkthrough of the modules, waiting periods and pre-existing definitions that actually decide whether your policy pays out.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46b65f63 e-con-full e-flex e-con e-child\" data-id=\"46b65f63\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6487973c elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"6487973c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book a free call<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fc4a33c elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"5fc4a33c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Send a message<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Trusted by 100+ expats across Germany Independent advice for expats Legal insurance in Germany \u2014 independent, English-speaking advice Book your free consultation See what&#8217;s covered Built with Ai Rechtsschutz, plainly explained We translate the German small print \u2014 waiting periods, deductibles and modules \u2014 into decisions you can actually make. Whole-market comparison We compare [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1100,"parent":683,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1071","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages\/1071","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/comments?post=1071"}],"version-history":[{"count":35,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages\/1071\/revisions"}],"predecessor-version":[{"id":1256,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages\/1071\/revisions\/1256"}],"up":[{"embeddable":true,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages\/683"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/media\/1100"}],"wp:attachment":[{"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/media?parent=1071"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}