{"id":308,"date":"2026-08-09T14:26:13","date_gmt":"2026-08-09T14:26:13","guid":{"rendered":"http:\/\/insure-germany.local\/?page_id=308"},"modified":"2026-08-17T11:52:45","modified_gmt":"2026-08-17T11:52:45","slug":"liability-insurance-germany","status":"publish","type":"page","link":"https:\/\/insure-germany.com\/de\/services\/liability-insurance-germany\/","title":{"rendered":"Privathaftpflicht"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"308\" class=\"elementor elementor-308\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee2158d e-flex e-con-boxed e-con e-parent\" data-id=\"ee2158d\" 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-8c44d4e elementor-widget elementor-widget-hfe-breadcrumbs-widget\" data-id=\"8c44d4e\" 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-759424e5 e-flex e-con-boxed e-con e-parent\" data-id=\"759424e5\" 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-75dc90b e-flex e-con-boxed e-con e-child\" data-id=\"75dc90b\" 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-37b13284 e-con-full e-flex e-con e-child\" data-id=\"37b13284\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d4d9b52 elementor-widget elementor-widget-image\" data-id=\"1d4d9b52\" 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-4346205 elementor-widget elementor-widget-text-editor\" data-id=\"4346205\" 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-23cef238 e-con-full e-flex e-con e-child\" data-id=\"23cef238\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1dd818cf e-con-full e-flex e-con e-child\" data-id=\"1dd818cf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f5b115f elementor-widget elementor-widget-heading\" data-id=\"f5b115f\" 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\">Personal liability \u00b7 Haftpflicht<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1aefa74 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"1aefa74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n  .ig-h1-liability {\n    font-family: 'Poppins', sans-serif;\n    font-size: 44px;\n    font-weight: 800;\n    line-height: 1.2;\n    color: #ffff;\n    margin: 0;\n  }\n  .ig-h1-liability .acc {\n    color: #F5A015;\n  }\n  @media (max-width: 768px) {\n    .ig-h1-liability {\n      font-size: 30px !important;\n      text-align: center;\n    }\n  }\n<\/style>\n\n<h1 class=\"ig-h1-liability\">\n  Personal liability insurance in Germany \u2014 <em class=\"acc\" style=\"font-style:normal;\">independent<\/em>, whole-market advice\n<\/h1>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6de6aae5 e-con-full e-flex e-con e-child\" data-id=\"6de6aae5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34086e12 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"34086e12\" 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 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-2915ade7 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"2915ade7\" 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-ed57ce7 elementor-widget elementor-widget-text-editor\" data-id=\"ed57ce7\" 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-18f684df e-grid e-con-full e-con e-child\" data-id=\"18f684df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e9de67 elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"7e9de67\" 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\tWhole market 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\t100+ insurers checked for cover and conditions, not just 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-2b54c08 elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"2b54c08\" 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\tWorldwide protection\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\tGood policies cover you on holiday and short stays abroad too.\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-b19e398 elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"b19e398\" 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\tOne English-speaking 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\tFrom setup to a claim, you deal with one named person.\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-13f022f1 e-flex e-con-boxed e-con e-parent\" data-id=\"13f022f1\" 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-393ab7fa e-con-full e-flex e-con e-child\" data-id=\"393ab7fa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a83c648 elementor-widget elementor-widget-image\" data-id=\"4a83c648\" 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=\"682\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/health-insurance-in-germany-expats-682x1024.webp\" class=\"attachment-large size-large wp-image-453\" alt=\"\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/health-insurance-in-germany-expats-682x1024.webp 682w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/health-insurance-in-germany-expats-200x300.webp 200w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/health-insurance-in-germany-expats-768x1154.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/health-insurance-in-germany-expats-8x12.webp 8w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/health-insurance-in-germany-expats.webp 1023w\" sizes=\"(max-width: 682px) 100vw, 682px\" \/>\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-4a3bf524 elementor-widget elementor-widget-text-editor\" data-id=\"4a3bf524\" 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-3be61819 e-con-full e-flex e-con e-child\" data-id=\"3be61819\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dcc1918 elementor-widget elementor-widget-heading\" data-id=\"dcc1918\" 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-4d620385 elementor-widget elementor-widget-heading\" data-id=\"4d620385\" 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 is personal liability insurance for expats?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78eb51d elementor-widget elementor-widget-text-editor\" data-id=\"78eb51d\" 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>Personal liability insurance (<a href=\"https:\/\/de.wikipedia.org\/wiki\/Privathaftpflichtversicherung\" target=\"_blank\" rel=\"noopener\"><span lang=\"de\">Privathaftpflicht<\/span><\/a>, or \u201cHaftpflicht\u201d) covers damage you accidentally cause to other people or their property. It matters more in Germany than almost anywhere else \u2014 here you\u2019re liable without an upper limit, so one accident can mean a bill most people couldn\u2019t pay.<\/p>\n<p class=\"p2\">For expats, the biggest challenge is understanding the difference between public (GKV) and private (PKV) health insurance. Making the right decision early can save money, avoid coverage gaps and prevent difficult changes later.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-276e9ca0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"276e9ca0\" 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-7bb603c6 elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"7bb603c6\" 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\tProtection when accidents happen\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\tFrom damaging a rented apartment to injuring someone by accident \u2014 personal liability insurance can protect you from claims that could otherwise become very expensive.\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-142364e4 elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"142364e4\" 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\tChoose cover that actually protects you\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\tNot every policy covers the same risks. We compare limits, exclusions and important extras so you understand what you\u2019re getting before you sign.\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-57e77396 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"57e77396\" 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-6dbca3b9 elementor-widget elementor-widget-heading\" data-id=\"6dbca3b9\" 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 liability cover you need?<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20e19962 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"20e19962\" 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-50fd8f86 e-flex e-con-boxed e-con e-parent\" data-id=\"50fd8f86\" 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-69e69170 elementor-widget elementor-widget-heading\" data-id=\"69e69170\" 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 clients say<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-535f58de elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"535f58de\" 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 who stopped guessing about their cover<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1607197d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1607197d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-head center\"><p class=\"lead\">It&#8217;s what happens when someone actually picks up the phone. This is where real client feedback will sit.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4115af30 elementor-widget elementor-widget-shortcode\" data-id=\"4115af30\" 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-3783f912 e-con-full e-flex e-con e-child\" data-id=\"3783f912\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23a9d5db elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"23a9d5db\" 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-73d86a32 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"73d86a32\" 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-14cd27b4 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"14cd27b4\" 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-4647150a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4647150a\" 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-797e5f2 e-flex e-con-boxed e-con e-parent\" data-id=\"797e5f2\" 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-14a2993 e-grid e-con-full e-con e-child\" data-id=\"14a2993\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7e4b2d3 e-con-full e-flex e-con e-child\" data-id=\"7e4b2d3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-741ccfc e-flex e-con-boxed e-con e-child\" data-id=\"741ccfc\" 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-ef1d64c elementor-widget elementor-widget-text-editor\" data-id=\"ef1d64c\" 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-45c6972 elementor-widget elementor-widget-icon-box\" data-id=\"45c6972\" 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-e167ca9 elementor-icon-list--layout-inline elementor-mobile-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e167ca9\" 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-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\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-adjust\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M8 256c0 136.966 111.033 248 248 248s248-111.034 248-248S392.966 8 256 8 8 119.033 8 256zm248 184V72c101.705 0 184 82.311 184 184 0 101.705-82.311 184-184 184z\"><\/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\">Tailored cover<\/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-c817f98 e-con-full e-flex e-con e-child\" data-id=\"c817f98\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd1120c elementor-widget elementor-widget-heading\" data-id=\"dd1120c\" 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-0441911 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"0441911\" 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\">Insurance advice that fits your life in Germany<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-177f649 elementor-widget elementor-widget-text-editor\" data-id=\"177f649\" 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>We&#8217;re not the tied agent of a single insurer.<\/p>\n<p>We don&#8217;t belong to any sales network, and nobody sets targets for which products we should push on you.<\/p>\n<p class=\"q\"><strong>So what do we actually do?<\/strong><\/p>\n<p>We listen, and we ask the questions that matter. We look at how you really live in Germany \u2014 then compare the whole market to match it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e58947 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5e58947\" 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-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/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\">We give you a clear picture of what you're actually exposed to<\/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-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/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\">We bring order to your insurance \u2014 no overlaps, no gaps<\/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-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/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\">We help you get properly covered, from liability to health to income protection<\/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-b46a058 elementor-align-left elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"b46a058\" 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-3be6af1 elementor-widget elementor-widget-text-editor\" data-id=\"3be6af1\" 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-866bf63 e-flex e-con-boxed e-con e-parent\" data-id=\"866bf63\" 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-bad19cb e-con-full e-flex e-con e-child\" data-id=\"bad19cb\" 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-7983bea e-con-full e-flex e-con e-child\" data-id=\"7983bea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-419e5ac elementor-widget elementor-widget-heading\" data-id=\"419e5ac\" 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 cover level you need?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96cdcaf elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"96cdcaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div><p>A 30-minute call is enough to get you the right personal liability policy at the right price. No pressure, no cost.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-12d877c e-con-full e-flex e-con e-child\" data-id=\"12d877c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d06859 elementor-widget elementor-widget-button\" data-id=\"9d06859\" 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 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>\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-c61a5f4 e-flex e-con-boxed e-con e-parent\" data-id=\"c61a5f4\" 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-cc1ef63 e-con-full e-flex e-con e-child\" data-id=\"cc1ef63\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d8ab375 e-con-full e-flex e-con e-child\" data-id=\"d8ab375\" 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-ee61620 elementor-widget elementor-widget-heading\" data-id=\"ee61620\" 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-737739d elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"737739d\" 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 in Germany need personal liability insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07181ab elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"07181ab\" 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>For almost everyone living in Germany, yes. <a href=\"https:\/\/de.wikipedia.org\/wiki\/Privathaftpflichtversicherung\" target=\"_blank\" rel=\"noopener\">Personal liability insurance (Privathaftpflicht)<\/a> is not legally required, but you are personally liable \u2014 without an upper limit \u2014 for damage you accidentally cause to other people or their property. A single serious accident can cost far more than most people could pay.<\/p><p>\u00a0<\/p><p>It costs only a few euros a month, covers your household worldwide on shorter trips, and is the policy German residents take out first. The main decisions are the cover sum and a few key add-ons \u2014 which is exactly what a broker checks for you, free of charge.<\/p><div class=\"ig-answer-highlight\"><div class=\"ig-mini-fact\">\u00a0<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d91187a e-con-full e-flex e-con e-child\" data-id=\"d91187a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-048cb8f elementor-widget elementor-widget-icon-box\" data-id=\"048cb8f\" 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 widely considered essential\n\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-0ec7abe elementor-widget elementor-widget-icon-box\" data-id=\"0ec7abe\" 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\tFew \u20ac \/ month\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\tTypical entry-level pricing\n\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-9054c24 elementor-widget elementor-widget-icon-box\" data-id=\"9054c24\" 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\tHigh protection\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\tFor accidental third-party damage\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-ebb9340 e-con-full e-flex e-con e-child\" data-id=\"ebb9340\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4f7db88 e-grid e-con-full e-con e-child\" data-id=\"4f7db88\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4940923 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=\"4940923\" 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\tPrivathaftpflichtversicherung (Haftpflicht)\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-1e2e315 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=\"1e2e315\" 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 living in Germany \u2014 students, employees, families, tenants\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-74f62a1 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=\"74f62a1\" 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, but often required by landlords; ~85% of households have 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 class=\"elementor-element elementor-element-c147129 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=\"c147129\" 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\tRecommended cover sum\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\tAt least \u20ac10 million, ideally \u20ac30\u201350 million\n\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-41903cf 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=\"41903cf\" 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\tWhere you're covered\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\tGermany plus worldwide on temporary stays\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-b42c3bf 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=\"b42c3bf\" 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\tWhat it covers\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\tAccidental damage or injury you cause to third parties\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-e05b5c5 e-flex e-con-boxed e-con e-parent\" data-id=\"e05b5c5\" 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-bca28e0 elementor-widget elementor-widget-heading\" data-id=\"bca28e0\" 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-a7af529 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"a7af529\" 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 needs personal liability insurance in Germany?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0084a56 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0084a56\" 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 class=\"p1\">The short version: almost everyone. Because liability in Germany is personal and unlimited, the risk applies whether you rent a small flat or run a busy family household. Open a group below to see why it matters for them:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-559dd8a elementor-widget__width-initial elementor-widget elementor-widget-n-accordion\" data-id=\"559dd8a\" 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-8970\" 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-8970\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Tenants <\/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-8970\" class=\"elementor-element elementor-element-55082f2 e-con-full e-flex e-con e-child\" data-id=\"55082f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0ec1d98 elementor-widget elementor-widget-text-editor\" data-id=\"0ec1d98\" 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 class=\"p1\">Most landlords in Germany expect new tenants to have personal liability insurance, and many ask for proof before handing over the keys. It covers the everyday risks of renting &#8211; a scratched floor, a damaged built-in kitchen, water damage to the flat below &#8211; that can otherwise cost thousands to put right.<\/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-8971\" 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-8971\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Families with children <\/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-8971\" class=\"elementor-element elementor-element-12d74e0 e-con-full e-flex e-con e-child\" data-id=\"12d74e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8875d52 elementor-widget elementor-widget-text-editor\" data-id=\"8875d52\" 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 class=\"p1\">Children can cause damage no one saw coming, and until a certain age they often can&#8217;t be held legally responsible themselves. A family tariff extends the same protection to your partner in the same household and to children living with you, usually for only a little more than a single policy.<\/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-8972\" 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-8972\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Students and new arrivals <\/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-8972\" class=\"elementor-element elementor-element-366305d e-con-full e-flex e-con e-child\" data-id=\"366305d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f754e4 elementor-widget elementor-widget-text-editor\" data-id=\"3f754e4\" 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 class=\"p1\">You don&#8217;t need a permanent address or a long track record to take out cover &#8211; protection can start from your first weeks in Germany, and it travels with you on shorter stays abroad. For international students and professionals still settling in, it&#8217;s one of the simplest, most affordable pieces of financial security to put in place 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<\/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-917291f e-flex e-con-boxed e-con e-parent\" data-id=\"917291f\" 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-d03735c elementor-widget elementor-widget-heading\" data-id=\"d03735c\" 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-e36cb76 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"e36cb76\" 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\">Small premium, potentially unlimited risk<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fc67db8 e-grid e-con-full e-con e-child\" data-id=\"fc67db8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c77aea3 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=\"c77aea3\" 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\tUnlimited personal liability\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\tGerman law holds you responsible for accidental harm with no upper cap. The insurance is what turns that into a fixed, tiny monthly cost.\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-d607469 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=\"d607469\" 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\tCover sums that actually hold up\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\tSerious injury claims can run into the millions. We steer you toward policies with cover sums that match that reality, not just the lowest premium.\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-da8d086 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=\"da8d086\" 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\tWe read the small print\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\tTwo policies at the same price can differ hugely on keys, pets, rented property and gross negligence. Comparing conditions is the whole job \u2014 and it's free.\n\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-1564c90 e-flex e-con-boxed e-con e-parent\" data-id=\"1564c90\" 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-af30843 e-con-full e-flex e-con e-child\" data-id=\"af30843\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-88173c7 elementor-widget elementor-widget-heading\" data-id=\"88173c7\" 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-2d3741f elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2d3741f\" 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 much cover do you actually need?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8aaf75e elementor-widget elementor-widget-text-editor\" data-id=\"8aaf75e\" 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=\"https:\/\/www.test.de\/thema\/haftpflichtversicherung\/\" target=\"_blank\" rel=\"noopener\">Premiums for personal liability vary a lot between insurers<\/a> and change over time, so the smarter question isn&#8217;t &#8220;what does it cost&#8221; but &#8220;what does it actually cover&#8221;. The single most important number is the cover sum (<span lang=\"de\">Versicherungssumme<\/span>) \u2014 the maximum the insurer will pay for one claim.<\/p><p>Personal-injury claims can run into the millions, so a low cover sum is a false economy. The difference in premium between a weak and a strong policy is usually small; the difference in protection is not.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-13aa2c5 e-con-full e-flex e-con e-child\" data-id=\"13aa2c5\" 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-e51f649 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"e51f649\" 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\">\u20ac30\u201350m\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22788ec elementor-widget elementor-widget-text-editor\" data-id=\"22788ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div><div class=\"coversum\">A sensible cover sum to aim for. Anything below \u20ac10 million is generally too low for the risk it&#8217;s meant to carry.<\/div><\/div>\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-763594e e-con-full e-flex e-con e-child\" data-id=\"763594e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b318135 elementor-widget elementor-widget-heading\" data-id=\"b318135\" 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 makes a good policy<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f780e40 elementor-widget elementor-widget-text-editor\" data-id=\"f780e40\" 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 class=\"small\">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-368486b e-grid e-con-full e-con e-child\" data-id=\"368486b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68a82b9 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"68a82b9\" 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-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/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\">Gross negligence (grobe Fahrl\u00e4ssigkeit) 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-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/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\">Damage to rented property covered<\/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-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/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\">Worldwide cover on temporary stays<\/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-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/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\">Passive legal protection against unfair claims<\/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-315fda3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"315fda3\" 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-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/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\">High cover sum (\u20ac30\u201350m), not the legal minimum<\/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-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/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\">Key loss for private and work keys<\/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-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/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\">Small-pet damage 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-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/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\">Family \/ household members included<\/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-f4c9a6b e-flex e-con-boxed e-con e-parent\" data-id=\"f4c9a6b\" 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-a985d82 elementor-widget elementor-widget-text-editor\" data-id=\"a985d82\" 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 id=\"choose\" aria-labelledby=\"choose-title\"><div class=\"wrap\"><p class=\"small\">Comparing these clauses 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 checking the fine print costs you nothing.<\/p><\/div><\/section>\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-3865323 e-flex e-con-boxed e-con e-parent\" data-id=\"3865323\" 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-e6a1cbb elementor-widget elementor-widget-menu-anchor\" data-id=\"e6a1cbb\" 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-c84c93a elementor-widget elementor-widget-heading\" data-id=\"c84c93a\" 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-dc3d25f elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"dc3d25f\" 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\">Real situations a good policy pays for<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-661425c elementor-widget elementor-widget-text-editor\" data-id=\"661425c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-head center\"><p class=\"lead\">Examples of everyday accidents typically covered by personal liability insurance in Germany.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4b83742 e-grid e-con-full e-con e-child\" data-id=\"4b83742\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a6a890a e-con-full e-flex e-con e-child\" data-id=\"a6a890a\" 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-7d737c3 e-con-full e-flex e-con e-child\" data-id=\"7d737c3\" 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-f117bcc elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f117bcc\" 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-6748ca0 elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"6748ca0\" 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-house-damage\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288 114.96L69.47 307.71c-1.62 1.46-3.69 2.14-5.47 3.35V496c0 8.84 7.16 16 16 16h149.23L192 439.19l104.11-64-60.16-119.22L384 392.75l-104.11 64L319.81 512H496c8.84 0 16-7.16 16-16V311.1c-1.7-1.16-3.72-1.82-5.26-3.2L288 114.96zm282.69 121.32L512 184.45V48c0-8.84-7.16-16-16-16h-64c-8.84 0-16 7.16-16 16v51.69L314.75 10.31C307.12 3.45 297.56.01 288 0s-19.1 3.41-26.7 10.27L5.31 236.28c-6.57 5.91-7.12 16.02-1.21 22.6l21.4 23.82c5.9 6.57 16.02 7.12 22.6 1.21L277.42 81.63c6.05-5.33 15.12-5.33 21.17 0L527.91 283.9c6.57 5.9 16.69 5.36 22.6-1.21l21.4-23.82c5.9-6.57 5.36-16.69-1.22-22.59z\"><\/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-ce24734 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ce24734\" 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\t\t<div class=\"elementor-element elementor-element-5174101 elementor-widget elementor-widget-text-editor\" data-id=\"5174101\" 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<div class=\"elementor-element elementor-element-7eb6cc5 e-con-full e-flex e-con e-child\" data-id=\"7eb6cc5\" 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-4f7ccca elementor-widget elementor-widget-icon-box\" data-id=\"4f7ccca\" 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\tDamage to rented or others' property\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 scratch the floor or a wall while moving furniture in your flat, or damage something in a friend's home. Repairs are covered.\n\n\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-c6d5046 e-con-full e-flex e-con e-child\" data-id=\"c6d5046\" 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-b1ead08 e-con-full e-flex e-con e-child\" data-id=\"b1ead08\" 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-d9c6440 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d9c6440\" 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-e9d60fb elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"e9d60fb\" 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-key\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M512 176.001C512 273.203 433.202 352 336 352c-11.22 0-22.19-1.062-32.827-3.069l-24.012 27.014A23.999 23.999 0 0 1 261.223 384H224v40c0 13.255-10.745 24-24 24h-40v40c0 13.255-10.745 24-24 24H24c-13.255 0-24-10.745-24-24v-78.059c0-6.365 2.529-12.47 7.029-16.971l161.802-161.802C163.108 213.814 160 195.271 160 176 160 78.798 238.797.001 335.999 0 433.488-.001 512 78.511 512 176.001zM336 128c0 26.51 21.49 48 48 48s48-21.49 48-48-21.49-48-48-48-48 21.49-48 48z\"><\/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-13471c8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"13471c8\" 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-4c6f5e6 e-con-full e-flex e-con e-child\" data-id=\"4c6f5e6\" 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-626a6bb elementor-widget elementor-widget-icon-box\" data-id=\"626a6bb\" 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\tLost keys\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\tLost the key to your building or office? Personal liability typically covers the cost of replacing locks and keys you're responsible for.\n\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-65ef7d4 e-con-full e-flex e-con e-child\" data-id=\"65ef7d4\" 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-f5386eb e-con-full e-flex e-con e-child\" data-id=\"f5386eb\" 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-d52373d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d52373d\" 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-33ac0b6 elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"33ac0b6\" 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-cat\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M290.59 192c-20.18 0-106.82 1.98-162.59 85.95V192c0-52.94-43.06-96-96-96-17.67 0-32 14.33-32 32s14.33 32 32 32c17.64 0 32 14.36 32 32v256c0 35.3 28.7 64 64 64h176c8.84 0 16-7.16 16-16v-16c0-17.67-14.33-32-32-32h-32l128-96v144c0 8.84 7.16 16 16 16h32c8.84 0 16-7.16 16-16V289.86c-10.29 2.67-20.89 4.54-32 4.54-61.81 0-113.52-44.05-125.41-102.4zM448 96h-64l-64-64v134.4c0 53.02 42.98 96 96 96s96-42.98 96-96V32l-64 64zm-72 80c-8.84 0-16-7.16-16-16s7.16-16 16-16 16 7.16 16 16-7.16 16-16 16zm80 0c-8.84 0-16-7.16-16-16s7.16-16 16-16 16 7.16 16 16-7.16 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-6423df6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6423df6\" 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-64e6e1e e-con-full e-flex e-con e-child\" data-id=\"64e6e1e\" 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-35613de elementor-widget elementor-widget-icon-box\" data-id=\"35613de\" 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\tDamage caused by small pets\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\tYour cat scratches a landlord's door or a rented sofa. Small-pet damage is usually included \u2014 dogs need separate dog liability insurance.\n\n\n\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-afd4f32 e-con-full e-flex e-con e-child\" data-id=\"afd4f32\" 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-68d8cb1 e-con-full e-flex e-con e-child\" data-id=\"68d8cb1\" 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-54735af elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"54735af\" 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-789a1b3 elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"789a1b3\" 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-user-astronaut\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M64 224h13.5c24.7 56.5 80.9 96 146.5 96s121.8-39.5 146.5-96H384c8.8 0 16-7.2 16-16v-96c0-8.8-7.2-16-16-16h-13.5C345.8 39.5 289.6 0 224 0S102.2 39.5 77.5 96H64c-8.8 0-16 7.2-16 16v96c0 8.8 7.2 16 16 16zm40-88c0-22.1 21.5-40 48-40h144c26.5 0 48 17.9 48 40v24c0 53-43 96-96 96h-48c-53 0-96-43-96-96v-24zm72 72l12-36 36-12-36-12-12-36-12 36-36 12 36 12 12 36zm151.6 113.4C297.7 340.7 262.2 352 224 352s-73.7-11.3-103.6-30.6C52.9 328.5 0 385 0 454.4v9.6c0 26.5 21.5 48 48 48h80v-64c0-17.7 14.3-32 32-32h128c17.7 0 32 14.3 32 32v64h80c26.5 0 48-21.5 48-48v-9.6c0-69.4-52.9-125.9-120.4-133zM272 448c-8.8 0-16 7.2-16 16s7.2 16 16 16 16-7.2 16-16-7.2-16-16-16zm-96 0c-8.8 0-16 7.2-16 16v48h32v-48c0-8.8-7.2-16-16-16z\"><\/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-9c98b3e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9c98b3e\" 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-cede3d5 e-con-full e-flex e-con e-child\" data-id=\"cede3d5\" 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-1feb5bc elementor-widget elementor-widget-icon-box\" data-id=\"1feb5bc\" 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\tInjuring someone by accident\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 collide with another player in a football match. Medical costs and any lost income they suffer can be covered.\n\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-5961605 e-flex e-con-boxed e-con e-parent\" data-id=\"5961605\" 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-6d95e86 elementor-widget elementor-widget-heading\" data-id=\"6d95e86\" 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-c38f426 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"c38f426\" 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 personal liability doesn't cover<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0771a18 elementor-widget elementor-widget-text-editor\" data-id=\"0771a18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-head center\"><p class=\"lead\">Common exclusions worth understanding before you rely on a policy.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a38b881 e-grid e-con-full e-con e-child\" data-id=\"a38b881\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b527054 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=\"b527054\" 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\tBroken glass\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\tWindows, glass surfaces and ceramic or induction hobs are typically excluded \u2014 that's what glass insurance is for.\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-95e26e2 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=\"95e26e2\" 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\tYour own property\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\tDamage to your own belongings or home isn't covered \u2014 for that you'd look at household contents insurance.\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-5b919fd 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=\"5b919fd\" 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\tDeliberate acts\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\tDamage you cause intentionally is never covered. Personal liability is for accidents, not on-purpose harm.\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-6beecfa 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=\"6beecfa\" 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\tFines and work risks\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\tLegal fines, penalties and anything arising from professional or business activity fall outside a private policy.\n\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-8298a4b elementor-widget elementor-widget-text-editor\" data-id=\"8298a4b\" 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 class=\"sec-soft\" aria-labelledby=\"nocov-title\"><div class=\"wrap\"><p class=\"small\">Exact inclusions and limits vary by insurer and tariff. Part of the free advice is checking the wording against how you actually live.<\/p><\/div><\/section><section aria-labelledby=\"vs-title\"><div class=\"wrap\">\u00a0<\/div><\/section>\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-cb35bd9 e-flex e-con-boxed e-con e-parent\" data-id=\"cb35bd9\" 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-0533774 elementor-widget elementor-widget-heading\" data-id=\"0533774\" 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-b3557b1 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"b3557b1\" 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\">Personal liability vs household vs legal insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-367e534 elementor-widget elementor-widget-text-editor\" data-id=\"367e534\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-head center\"><p class=\"lead\">Three different policies that expats often mix up. Here&#8217;s what each one actually does.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57ec56a e-grid e-con-full e-con e-child\" data-id=\"57ec56a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2539789 elementor-widget elementor-widget-image\" data-id=\"2539789\" 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-3edde0b elementor-widget elementor-widget-text-editor\" data-id=\"3edde0b\" 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>Personal liability (Haftpflicht)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cda071e elementor-widget elementor-widget-text-editor\" data-id=\"cda071e\" 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 contents (Hausrat)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a5bbd5 elementor-widget elementor-widget-text-editor\" data-id=\"3a5bbd5\" 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\/legal-insurance-germany\/\">Legal (Rechtsschutz)<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d016f9 elementor-widget elementor-widget-text-editor\" data-id=\"5d016f9\" 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-0aeeb57 elementor-widget elementor-widget-text-editor\" data-id=\"0aeeb57\" 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-fb78db9 elementor-widget elementor-widget-text-editor\" data-id=\"fb78db9\" 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-6cc407c elementor-widget elementor-widget-text-editor\" data-id=\"6cc407c\" 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-bb7b68a elementor-widget elementor-widget-text-editor\" data-id=\"bb7b68a\" 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-374dc04 elementor-widget elementor-widget-text-editor\" data-id=\"374dc04\" 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-d58ba71 elementor-widget elementor-widget-text-editor\" data-id=\"d58ba71\" 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-858ae93 elementor-widget elementor-widget-text-editor\" data-id=\"858ae93\" 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-1c4e1d5 elementor-widget elementor-widget-text-editor\" data-id=\"1c4e1d5\" 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-337afde elementor-widget elementor-widget-text-editor\" data-id=\"337afde\" 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-7e38889 elementor-widget elementor-widget-text-editor\" data-id=\"7e38889\" 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-5b17890 elementor-widget elementor-widget-text-editor\" data-id=\"5b17890\" 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<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64e0f6c elementor-widget elementor-widget-text-editor\" data-id=\"64e0f6c\" 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-bf4037a elementor-widget elementor-widget-text-editor\" data-id=\"bf4037a\" 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<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3f8b81 elementor-widget elementor-widget-text-editor\" data-id=\"f3f8b81\" 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-8d0492a elementor-widget elementor-widget-text-editor\" data-id=\"8d0492a\" 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-a7c2a5a elementor-widget elementor-widget-text-editor\" data-id=\"a7c2a5a\" 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-f5e66e6 elementor-widget elementor-widget-text-editor\" data-id=\"f5e66e6\" 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 style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"\/en\/liability-insurance-germany\">This page<\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fe6a68 elementor-widget elementor-widget-text-editor\" data-id=\"0fe6a68\" 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 style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"\/en\/liability-insurance-germany#household\">Household<\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-094ade6 elementor-widget elementor-widget-text-editor\" data-id=\"094ade6\" 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 style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"\/en\/legal-insurance-germany\"><a href=\"\/services\/legal-insurance-germany\/\">Legal insurance<\/a><\/a><\/span><\/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-6854798 elementor-widget elementor-widget-text-editor\" data-id=\"6854798\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-head center\"><section aria-labelledby=\"vs-title\"><div class=\"wrap\"><p class=\"small\">Many households hold <a href=\"\/services\/legal-insurance-germany\/\">legal<\/a>, household and liability cover. On a free call we work out which you actually need \u2014 and which you can skip.<\/p><\/div><\/section><\/div>\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-1bcd8f3 e-flex e-con-boxed e-con e-parent\" data-id=\"1bcd8f3\" 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-1a4251a elementor-widget elementor-widget-heading\" data-id=\"1a4251a\" 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-99552ca elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"99552ca\" 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 personal liability insurance works in Germany<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-546537a elementor-widget elementor-widget-text-editor\" data-id=\"546537a\" 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 policy \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-1556532 elementor-widget__width-initial elementor-widget elementor-widget-n-accordion\" data-id=\"1556532\" 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-2230\" 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-2230\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How does a personal liability claim actually 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-2230\" class=\"elementor-element elementor-element-da2a92e e-con-full e-flex e-con e-child\" data-id=\"da2a92e\" 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-37e7d99 elementor-widget elementor-widget-text-editor\" data-id=\"37e7d99\" 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 class=\"p1\">You report the incident to your insurer, usually with a short description and any photos. The insurer then does two things: it checks whether the claim against you is justified and pays the ones that are &#8211; and, just as importantly, it rejects unjustified or inflated claims on your behalf. That second part, sometimes called passive legal protection, is one of the most valuable features of a good policy.<\/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-2231\" 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-2231\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is \"gross negligence\" (grobe Fahrl\u00e4ssigkeit) and why does it matter? <\/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-2231\" class=\"elementor-element elementor-element-07a0922 e-con-full e-flex e-con e-child\" data-id=\"07a0922\" 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-ff365cf elementor-widget elementor-widget-text-editor\" data-id=\"ff365cf\" 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 class=\"p1\"><a href=\"https:\/\/de.wikipedia.org\/wiki\/Grobe_Fahrl%C3%A4ssigkeit\" target=\"_blank\" rel=\"noopener\">Gross negligence<\/a> means carelessness that goes beyond an ordinary slip \u2014 for example leaving a tap running and flooding the flat below. Basic policies can reduce or refuse payment in these cases. Better tariffs include gross negligence up to the full cover sum, which is exactly the kind of clause worth checking before you sign.<\/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-2232\" 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-2232\" >\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 damage to \"third parties\"? <\/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-2232\" class=\"elementor-element elementor-element-e590748 e-con-full e-flex e-con e-child\" data-id=\"e590748\" 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-63154b2 elementor-widget elementor-widget-text-editor\" data-id=\"63154b2\" 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 class=\"p1\">Three kinds of harm are typically covered: damage to someone&#8217;s property (you break a friend&#8217;s TV), physical injury to another person (a cyclist you didn&#8217;t see), and the financial loss that follows from either.<\/p><p class=\"p1\">Damage to your own belongings is never part of personal liability &#8211; that&#8217;s what household contents insurance is for.<\/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-2233\" 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-2233\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Am I covered while cycling, doing sport or on holiday? <\/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-2233\" class=\"elementor-element elementor-element-ffc90b0 e-con-full e-flex e-con e-child\" data-id=\"ffc90b0\" 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-0967133 elementor-widget elementor-widget-text-editor\" data-id=\"0967133\" 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 class=\"p1\">Yes. Personal liability follows you through everyday private life &#8211; cycling, sport, hobbies and social occasions. Most good policies also include worldwide cover for shorter stays such as holidays, and often for temporary stays abroad up to a defined period. The exact limits vary by insurer, so it&#8217;s a detail worth confirming.<\/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-2234\" 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-2234\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I get the policy and support in English? <\/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-2234\" class=\"elementor-element elementor-element-1d1e57b e-con-full e-flex e-con e-child\" data-id=\"1d1e57b\" 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-14cc0b5 elementor-widget elementor-widget-text-editor\" data-id=\"14cc0b5\" 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 class=\"p1\">The advice, setup and claims support are handled in English. The policy wording itself is often issued in German, as that&#8217;s the legal contract language &#8211; but we walk you through what it means in plain English before anything is signed, so you always know what you&#8217;re agreeing to.<\/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-2235\" 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-2235\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> I'm only in Germany for a few years \u2014 is it still worth it? <\/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-2235\" class=\"elementor-element elementor-element-9bd9347 e-con-full e-flex e-con e-child\" data-id=\"9bd9347\" 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-2644b86 elementor-widget elementor-widget-text-editor\" data-id=\"2644b86\" 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 class=\"p1\">For most people, yes. Cover can start within your first weeks here, costs only a few euros a month, and can usually be cancelled with a short notice period if you leave. Because the risk it protects against &#8211; unlimited personal liability &#8211; applies from day one, it&#8217;s one of the first policies expats tend to arrange.<\/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 a personal liability claim actually work?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You report the incident to your insurer, usually with a short description and any photos. The insurer then does two things: it checks whether the claim against you is justified and pays the ones that are &#8211; and, just as importantly, it rejects unjustified or inflated claims on your behalf. That second part, sometimes called passive legal protection, is one of the most valuable features of a good policy.\"}},{\"@type\":\"Question\",\"name\":\"What is \\\"gross negligence\\\" (grobe Fahrl\\u00e4ssigkeit) and why does it matter?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Gross negligence means carelessness that goes beyond an ordinary slip \\u2014 for example leaving a tap running and flooding the flat below. Basic policies can reduce or refuse payment in these cases. Better tariffs include gross negligence up to the full cover sum, which is exactly the kind of clause worth checking before you sign.\"}},{\"@type\":\"Question\",\"name\":\"What counts as damage to \\\"third parties\\\"?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Three kinds of harm are typically covered: damage to someone&#8217;s property (you break a friend&#8217;s TV), physical injury to another person (a cyclist you didn&#8217;t see), and the financial loss that follows from either.Damage to your own belongings is never part of personal liability &#8211; that&#8217;s what household contents insurance is for.\"}},{\"@type\":\"Question\",\"name\":\"Am I covered while cycling, doing sport or on holiday?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Personal liability follows you through everyday private life &#8211; cycling, sport, hobbies and social occasions. Most good policies also include worldwide cover for shorter stays such as holidays, and often for temporary stays abroad up to a defined period. The exact limits vary by insurer, so it&#8217;s a detail worth confirming.\"}},{\"@type\":\"Question\",\"name\":\"Can I get the policy and support in English?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The advice, setup and claims support are handled in English. The policy wording itself is often issued in German, as that&#8217;s the legal contract language &#8211; but we walk you through what it means in plain English before anything is signed, so you always know what you&#8217;re agreeing to.\"}},{\"@type\":\"Question\",\"name\":\"I'm only in Germany for a few years \\u2014 is it still worth it?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"For most people, yes. Cover can start within your first weeks here, costs only a few euros a month, and can usually be cancelled with a short notice period if you leave. Because the risk it protects against &#8211; unlimited personal liability &#8211; applies from day one, it&#8217;s one of the first policies expats tend to arrange.\"}}]}<\/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-9be5e37 e-flex e-con-boxed e-con e-parent\" data-id=\"9be5e37\" 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-bcfe5fe elementor-widget elementor-widget-heading\" data-id=\"bcfe5fe\" 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-e54471e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"e54471e\" 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's on your side, not the insurer's\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31facf2 elementor-widget elementor-widget-text-editor\" data-id=\"31facf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-head center\"><p class=\"lead\">Three different policies that expats often mix up. Here&#8217;s what each one actually does.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-99b43f6 e-grid e-con-full e-con e-child\" data-id=\"99b43f6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8aa813e e-con-full e-transform e-flex e-con e-child\" data-id=\"8aa813e\" 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-89c6f04 elementor-widget elementor-widget-heading\" data-id=\"89c6f04\" 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-4eb9129 elementor-widget elementor-widget-icon-box\" data-id=\"4eb9129\" 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\tInsurers 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 instead of a single product line \u2014 we compare cover and conditions, not just price.\n\n\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-da92f5f e-con-full e-transform e-flex e-con e-child\" data-id=\"da92f5f\" 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-1bb1c88 elementor-widget elementor-widget-heading\" data-id=\"1bb1c88\" 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-42ce028 elementor-widget elementor-widget-icon-box\" data-id=\"42ce028\" 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 \u00a7 34d GewO \u2014 legally your representative, not the insurer's salesperson.\n\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-2353d93 e-con-full e-transform e-flex e-con e-child\" data-id=\"2353d93\" 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-2c34842 elementor-widget elementor-widget-heading\" data-id=\"2c34842\" 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-a76a061 elementor-widget elementor-widget-icon-box\" data-id=\"a76a061\" 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.\n\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-ddf51c6 e-con-full e-transform e-flex e-con e-child\" data-id=\"ddf51c6\" 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-7532f42 elementor-widget elementor-widget-heading\" data-id=\"7532f42\" 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-389aea3 elementor-widget elementor-widget-icon-box\" data-id=\"389aea3\" 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, documents and claims handled in English or German \u2014 whichever is easier for you.\n\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-5920c9b e-con-full e-transform e-flex e-con e-child\" data-id=\"5920c9b\" 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-3ee39a4 elementor-widget elementor-widget-heading\" data-id=\"3ee39a4\" 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-8c97cab elementor-widget elementor-widget-icon-box\" data-id=\"8c97cab\" 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 the first call through to a claim years later.\n\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-07d7907 e-con-full e-transform e-flex e-con e-child\" data-id=\"07d7907\" 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-626f4e0 elementor-widget elementor-widget-heading\" data-id=\"626f4e0\" 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-9cc5157 elementor-widget elementor-widget-icon-box\" data-id=\"9cc5157\" 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.\n\n\n\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-1737c54 e-flex e-con-boxed e-con e-parent\" data-id=\"1737c54\" 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-333b01f elementor-widget elementor-widget-heading\" data-id=\"333b01f\" 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-01e9f27 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"01e9f27\" 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\">Personal liability insurance \u2014 FAQ\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b88bca elementor-widget__width-initial elementor-widget elementor-widget-n-accordion\" data-id=\"1b88bca\" 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-2880\" 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-2880\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is personal liability 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-2880\" class=\"elementor-element elementor-element-e9750b1 e-con-full e-flex e-con e-child\" data-id=\"e9750b1\" 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-45c1d29 elementor-widget elementor-widget-text-editor\" data-id=\"45c1d29\" 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 class=\"p1\">No, it isn&#8217;t required by law for most people. But landlords often expect it, and <a href=\"https:\/\/www.verbraucherzentrale.de\/wissen\/geld-versicherungen\" target=\"_blank\" rel=\"noopener\">around 85% of German households have it<\/a> anyway &#8211; because you&#8217;re personally liable for accidental damage without an upper limit, and the premium is only a few euros a month.<\/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-2881\" 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-2881\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What's the difference between third-party and personal liability 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-2881\" class=\"elementor-element elementor-element-4a96764 e-con-full e-flex e-con e-child\" data-id=\"4a96764\" 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-9e0aad2 elementor-widget elementor-widget-text-editor\" data-id=\"9e0aad2\" 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 class=\"p1\">They&#8217;re the same thing. &#8220;Third-party liability&#8221; and &#8220;personal liability&#8221; both refer to <a href=\"https:\/\/de.wikipedia.org\/wiki\/Privathaftpflichtversicherung\" target=\"_blank\" rel=\"noopener\">Privathaftpflicht<\/a> &#8211; cover for damage you cause to other people or their property. It&#8217;s separate from household contents insurance, which covers your own belongings.<\/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-2882\" 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-2882\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much does personal liability insurance cost 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-2882\" class=\"elementor-element elementor-element-ed14793 e-con-full e-flex e-con e-child\" data-id=\"ed14793\" 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-dc10c72 elementor-widget elementor-widget-text-editor\" data-id=\"dc10c72\" 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 class=\"p1\">It&#8217;s one of the cheapest policies you&#8217;ll own \u2014 usually just a few euros a month. Exact premiums vary a lot between insurers and depend on the cover sum and add-ons, so a single fixed figure would be misleading. As an independent broker, we compare the market and find the best conditions for your situation, and the advice is free.<\/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-2883\" 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-2883\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Does it cover my whole family? <\/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-2883\" class=\"elementor-element elementor-element-9713f2d e-con-full e-flex e-con e-child\" data-id=\"9713f2d\" 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-0cd3fcb elementor-widget elementor-widget-text-editor\" data-id=\"0cd3fcb\" 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 class=\"p1\">A couple or family tariff can cover your partner in the same household and children living with you, often including dependent parents. It&#8217;s usually only marginally more expensive than a single policy, which is why household cover is the common choice.<\/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-2884\" 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-2884\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Am I covered abroad? <\/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-2884\" class=\"elementor-element elementor-element-23b9c07 e-con-full e-flex e-con e-child\" data-id=\"23b9c07\" 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-74c6b15 elementor-widget elementor-widget-text-editor\" data-id=\"74c6b15\" 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 class=\"p1\">Most good policies include worldwide cover for shorter stays, such as holidays, and often for temporary stays abroad up to a defined period. The exact limits vary by insurer, so it&#8217;s one of the details worth checking before you sign.<\/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-2885\" 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-2885\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Does personal liability cover my work or freelance activity? <\/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-2885\" class=\"elementor-element elementor-element-0aa7909 e-con-full e-flex e-con e-child\" data-id=\"0aa7909\" 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-c11a913 elementor-widget elementor-widget-text-editor\" data-id=\"c11a913\" 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 class=\"p1\">No. A private policy only covers private matters. Work- or business-related risks need <a href=\"\/services\/business-insurance-germany-freelancers\/\">professional or business liability cover<\/a>. If you freelance, take a look at our business insurance for freelancers page.<\/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-2886\" 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-2886\" >\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 advice on liability 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-2886\" class=\"elementor-element elementor-element-1968d7d e-con-full e-flex e-con e-child\" data-id=\"1968d7d\" 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-e38820b elementor-widget elementor-widget-text-editor\" data-id=\"e38820b\" 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. As an independent broker, I&#8217;m paid by commission from the insurer, which is already built into the premium you&#8217;d pay anyway. My advice doesn&#8217;t cost you anything extra and doesn&#8217;t make the policy more expensive \u2014 you simply get an independent comparison.<\/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 personal liability insurance mandatory in Germany?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, it isn&#8217;t required by law for most people. But landlords often expect it, and around 85% of German households have it anyway &#8211; because you&#8217;re personally liable for accidental damage without an upper limit, and the premium is only a few euros a month.\"}},{\"@type\":\"Question\",\"name\":\"What's the difference between third-party and personal liability insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"They&#8217;re the same thing. &#8220;Third-party liability&#8221; and &#8220;personal liability&#8221; both refer to Privathaftpflicht &#8211; cover for damage you cause to other people or their property. It&#8217;s separate from household contents insurance, which covers your own belongings.\"}},{\"@type\":\"Question\",\"name\":\"How much does personal liability insurance cost in Germany?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It&#8217;s one of the cheapest policies you&#8217;ll own \\u2014 usually just a few euros a month. Exact premiums vary a lot between insurers and depend on the cover sum and add-ons, so a single fixed figure would be misleading. As an independent broker, we compare the market and find the best conditions for your situation, and the advice is free.\"}},{\"@type\":\"Question\",\"name\":\"Does it cover my whole family?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A couple or family tariff can cover your partner in the same household and children living with you, often including dependent parents. It&#8217;s usually only marginally more expensive than a single policy, which is why household cover is the common choice.\"}},{\"@type\":\"Question\",\"name\":\"Am I covered abroad?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Most good policies include worldwide cover for shorter stays, such as holidays, and often for temporary stays abroad up to a defined period. The exact limits vary by insurer, so it&#8217;s one of the details worth checking before you sign.\"}},{\"@type\":\"Question\",\"name\":\"Does personal liability cover my work or freelance activity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. A private policy only covers private matters. Work- or business-related risks need professional or business liability cover. If you freelance, take a look at our business insurance for freelancers page.\"}},{\"@type\":\"Question\",\"name\":\"Do I pay you for advice on liability insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. As an independent broker, I&#8217;m paid by commission from the insurer, which is already built into the premium you&#8217;d pay anyway. My advice doesn&#8217;t cost you anything extra and doesn&#8217;t make the policy more expensive \\u2014 you simply get an independent comparison.\"}}]}<\/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-5d3d3d1 e-flex e-con-boxed e-con e-parent\" data-id=\"5d3d3d1\" 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-af3d0a4 elementor-widget elementor-widget-heading\" data-id=\"af3d0a4\" 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-e9ace6b elementor-widget elementor-widget-text-editor\" data-id=\"e9ace6b\" 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-3f6841e e-grid e-con-full e-con e-child\" data-id=\"3f6841e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa5c3eb elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"fa5c3eb\" 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-d12e648 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"d12e648\" 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-d8af939 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"d8af939\" 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-ceb9044 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"ceb9044\" 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-469254b elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"469254b\" 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-3e22dbb elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"3e22dbb\" 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-e9edc9a e-flex e-con-boxed e-con e-parent\" data-id=\"e9edc9a\" 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-0619a1a elementor-widget elementor-widget-html\" data-id=\"0619a1a\" 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-4f15aa8 elementor-widget elementor-widget-html\" data-id=\"4f15aa8\" 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-ddbc4ce elementor-widget elementor-widget-html\" data-id=\"ddbc4ce\" 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-b77eab1 e-flex e-con-boxed e-con e-parent\" data-id=\"b77eab1\" 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-0860f39 e-con-full e-flex e-con e-child\" data-id=\"0860f39\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f40a007 elementor-widget elementor-widget-image\" data-id=\"f40a007\" 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-93c1bd2 e-con-full e-flex e-con e-child\" data-id=\"93c1bd2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c607957 elementor-widget elementor-widget-heading\" data-id=\"c607957\" 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 your liability cover sorted \u2014 properly<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb522ad elementor-widget elementor-widget-text-editor\" data-id=\"bb522ad\" 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 recommendation for personal liability insurance in Germany \u2014 at the right cover level, for the right price.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-da9fd39 e-con-full e-flex e-con e-child\" data-id=\"da9fd39\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0f63ef5 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"0f63ef5\" 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 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-477ce4b elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"477ce4b\" 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 Personal liability \u00b7 Haftpflicht Personal liability insurance in Germany \u2014 independent, whole-market advice Book your free call See what&#8217;s covered Built with Ai Whole market compared 100+ insurers checked for cover and conditions, not just price. Worldwide protection Good policies cover you on holiday and short stays abroad [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":666,"parent":683,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-308","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages\/308","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=308"}],"version-history":[{"count":234,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages\/308\/revisions"}],"predecessor-version":[{"id":1309,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages\/308\/revisions\/1309"}],"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\/666"}],"wp:attachment":[{"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/media?parent=308"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}