You know the Germans loves the rules and insurances, so what do You need, when You move in?:

  1. HEALTH INSURANCE- KRANKENVERSICHERUNG – it is a duty in Germany to be health insured. When You are employed – your employer must take care about it. If You are a self-employed You have to take care about it. If You are a tourist You should have an insurances for foreigners staying in Germany.
  2. HAFTPFLICHTVERSICHERUNG- costs around 60€ per Year for the family. A really MUST HAVE. The most important insurances in DE. The insurance pay if You broke / hurt something or somebody or make shit. Specially if You rent a flat with furnitures, it has to be in this insurance extra insured!
  3. HUNDEHAFTPFLICHT- the only duty insurance in some regions from Germany. It is just for the dogs owners. It pays if: because of the dog acting, somebody gets hurt or something get destroyed.
  4. KFZ HAFTPFLICHT – without it You cannot register a car in DE. This is the insurance that pays somebody if You makes the damage at other people or cars.
  5. HAUSRATVERSICHERUNG – it reimbursed every think what is in Your home, if it is stolen or burned or destroyed from water. Here is Your bicycle insured BUT let it additionally the insurances company know, that Your bicycle should be in. I recommend but it is not “ must have“.