This type of insurance covers all moveable items in your house, furniture, electronics and appliances. In the case of theft, fire or a water leak the insurance would cover costs to replace items. Depending on your cover, it may also cover laptops when you are away from home or bicycles and can be around €5 a month – just check what coverage level would suit you and make sure to compare policies. 

Most Germans have this type of insurance which covers the costs of damages for things as simple as scratching someone’s car with a shopping cart to breaking something expensive in a store. As a student, it can be helpful for borrowing equipment, protecting you at your internship or even if something you own damages the apartment you rent. In order to borrow a camera at the university, you will need to show proof of liability insurance. We have contact to Feather, an insurance provider who also offers English speaking representatives.