At Culpeck Insurance Broker GmbH, we understand the importance of having the right insurance coverage while living in Germany. Here’s a comprehensive overview of the common types of insurance available, why they are essential, and how our English-speaking experts can assist you in finding the best policies.

Liability Insurance (Haftpflichtversicherung)

Liability insurance is crucial as it covers financial damages you may cause to others. For instance, if you accidentally damage someone’s property or someone gets injured on your property, this insurance will cover the costs. Given the high potential costs, having liability insurance is essential for financial protection. In Germany, about 83% of the population has liability insurance, costing around €5 per month.

Dog Liability Insurance (Hundehaftpflichtversicherung)

Dog owners in several German states, including Berlin and Hamburg, are required to have dog liability insurance. This insurance covers damages caused by your dog and is especially important for owners of breeds classified as dangerous. Policies are available for around €5 per month.

Home Contents Insurance (Hausratversicherung)

Home contents insurance covers your personal belongings, including furniture, appliances, and other movable items in your home. This insurance is essential for protecting against losses due to fire, water damage, or theft. Approximately 76% of Germans have this insurance, which typically costs around €5 per month.

Health Insurance (Krankenversicherung)

Health insurance is mandatory for all residents in Germany. It covers medical expenses and ensures access to healthcare services. Finding the right health insurance can be complex, but our English-speaking experts at Culpeck are here to help you navigate the options and find a suitable plan.

Pet Health Insurance (Tierkrankenversicherung)

Pet health insurance covers veterinary bills for illnesses or injuries. This insurance is particularly beneficial as your pet ages and the likelihood of needing expensive treatments increases. Premiums vary based on the pet’s age and breed, starting at around €20 per month for young pets.

Car Insurance (Kfz-Versicherung)

Car insurance is mandatory for all vehicle owners in Germany. There are two main types: Vollkasko, which covers all damages including those to your own vehicle, and Teilkasko, which covers only damages to third parties and theft or vandalism. Choosing the right coverage is essential to ensure you are adequately protected on the road.

Disability Insurance (Berufsunfähigkeitsversicherung)

Disability insurance provides financial support if you are unable to work due to an accident or illness. This insurance is vital for those with dependents or significant financial obligations. It ensures that you can maintain your financial stability even if you can no longer perform your job.

Life Insurance (Lebensversicherung)

Life insurance is designed to provide financial security to your loved ones in the event of your death. It’s particularly important if you have dependents who rely on your income. Life insurance is more affordable when purchased at a younger age.

Legal Insurance (Rechtsschutzversicherung)

Legal insurance covers the cost of legal services, including consultations and court fees. This insurance is beneficial for resolving disputes with landlords, employers, or other parties. It provides peace of mind by ensuring that you have access to legal assistance when needed.

At Culpeck Insurance Broker GmbH, we are dedicated to helping you find the best insurance solutions tailored to your needs. Our team of English-speaking experts is here to guide you through the process and ensure you have the right coverage for every aspect of your life in Germany. Contact us for a personalized consultation or fill out one of our quote forms to receive a non-bind