Pets bring immense joy to their owners’ lives, but they can also incur significant expenses due to unexpected incidents. For dog owners in Germany, dog liability insurance is an essential safeguard that provides financial protection against damages or injuries caused by your pet. This guide will explore everything you need to know about dog liability insurance in Germany.

What is Dog Liability Insurance?

Dog liability insurance (Hundehaftpflichtversicherung) covers damages or injuries your dog may cause to third parties or their property. As a dog owner, you are legally liable for these damages, even if you are not present when the damage occurs. This insurance is crucial to avoid potentially crippling financial liabilities resulting from accidents involving your dog.

Why Dog Liability Insurance is Important

  1. Legal Liability: In Germany, dog owners are legally responsible for any damage or injury caused by their pets. This can include anything from a dog knocking over a passerby to causing a traffic accident.
  2. Financial Protection: Accidents involving dogs can lead to substantial financial claims. Without insurance, you might face significant out-of-pocket expenses for medical bills, property repairs, or legal fees.

Mandatory Dog Liability Insurance in Germany

Dog liability insurance is legally required in several German states, reflecting its importance. The following states mandate dog liability insurance:

  • Berlin
  • Hamburg
  • Lower Saxony
  • Saxony-Anhalt
  • Schleswig-Holstein
  • Thuringia

In other states, dog liability insurance is required for certain breeds considered dangerous, such as Pit Bull Terriers and American Staffordshire Terriers.

What Dog Liability Insurance Covers

Dog liability insurance generally covers the following:

  1. Personal Injuries: Medical expenses if your dog injures a third party. For example, if your dog bites someone or causes them to fall and get injured.
  2. Property Damage: Costs of repairs if your dog damages someone else’s property. For instance, if your dog chews on a neighbor’s fence or digs up their garden.
  3. Financial Losses: Compensation for financial losses resulting from an injury or damage caused by your dog. This can include lost wages if the injured party is unable to work.
  4. Legal Fees: Costs of defending against claims made due to your dog’s actions. This includes hiring a lawyer and court fees if necessary.

Additional Coverage Options

Many dog liability insurance policies offer optional coverages that can be highly beneficial:

  • Unintentional Mating: Covers costs if your male dog mates with a female dog without the owner’s permission.
  • Puppy Coverage: Extends the policy to cover puppies for up to 12 months.
  • Damage to Rental Property: Covers damage your dog may cause to rented accommodations, which is particularly useful if you live in a rental home.

What Dog Liability Insurance Does Not Cover

It’s important to be aware of the exclusions in dog liability insurance policies:

  • Damage to Your Own Property: Insurance does not cover damages caused by your dog to your own property.
  • Injuries to Household Members: Injuries caused to people living in your household are not covered.
  • Intentional Damage: If a pet is commanded to attack someone or causes damage intentionally, the insurance will not cover these incidents.
  • Wear and Tear: Normal wear and tear, such as claw marks on flooring, is not covered.

Choosing the Best Dog Liability Insurance in Germany

When selecting dog liability insurance in Germany, consider the following factors:

  1. Coverage Amounts: Ensure the policy covers significant amounts for both personal injury and property damage. A good policy should cover at least €10 million in total.
  2. Worldwide Coverage: Check if the policy covers incidents that happen outside of Germany.
  3. Off-lead Incidents: Verify that the policy covers incidents occurring when your dog is off-lead.
  4. Third-party Care: Ensure the policy covers damages caused when someone else is caring for your dog.

Cost of Dog Liability Insurance

The cost of dog liability insurance in Germany is relatively low, typically around €5 per month. The exact premium may vary based on factors such as the dog’s breed, age, and the coverage limits you choose.

Importance of Immediate Coverage

It’s crucial to get dog liability insurance as soon as you become a dog owner. Many policies have waiting periods, and you cannot get coverage for incidents that occurred before the policy started. Therefore, securing insurance early ensures continuous protection.


Dog liability insurance in Germany is an essential safeguard for all dog owners. It provides critical financial protection against damages and injuries caused by your pet, ensuring you can enjoy the companionship of your dog without worrying about potential financial risks. By choosing the right policy with comprehensive coverage, you can ensure peace of mind and protect yourself from unexpected expenses.

Our experts will be happy to make sure you get the best policy for your dog liability. Fill out our Quotation Form to receive a quote that is completely non-binding for you.