Insurance Germany

Best Dental Insurance Germany

  • From only €9/month
  • Supplements your public health insurance to include 2 annual deep cleanings, higher quality fillings and more
  • The Advanced policy includes tooth whitening and night mouth guard. 
  • The policy effectively pays for itself if you visit the dentist twice per year 

Best Legal Insurance Germany

  • From only €13.51/month
  • Insurance in case legal disputes should arise. Free lawyer consultation with the membership.

To receive quotes for car insurance from different insurance companies, please click on the link below:

Household Insurance Germany

  • From only €2,33/month
  • Covers risks like a fire, water damage, storm and burglary
  • 24/7 emergency service

Best Liability Insurance Germany

  • From only €4,94/month
  • No additional payments
  • The loss of your private or work keys up to € 30,000
  • Covers you and your family up to 30 million euros against financial claims of others

Pet Insurance Germany

  • From only €5,58/month
  • Pays for damage that one’s dog might cause to third parties or their belongings.
  • Mandatory for dog owners in certain regions of Germany
  • Meets all local legal requirements

Life Insurance Germany

  • From only €1,98/month
  • Life insurance covers those you care about in the event of your death.
  • Covers
    • Debt and Mortgage,
    • Lost Income 
    • Childcare and Education
    • Final Expenses

Bike Insurance Germany

  • From only €2,90/month
  • Your bicycle is insured if it was secured with its own lock
  • Insured against theft, theft of individual bike parts and vandalism
  • Fixed coverage (the purchase price of your bike
  • Your lock and all original parts are insured as well.

Pet Health Insurance Germany

  • Covers dogs & cats from 8 weeks to 9 years old
  • Free choice of vet or pet clinic
  • Pet health insurance is global

With our low-priced and high-performance tariff your car is well insured all around.

  • Your advantages at a glance
  • Mobility guarantee – incl.
  • Free protection letter!
  • Vehicle protection
  • Smart repair
  • Protective cover
  • Discount protection
  • From only €9/month
  • Supplements your public health insurance to include 2 annual deep cleanings, higher quality fillings and more
  • The Advanced policy includes tooth whitening and night mouth guard. 
  • The policy effectively pays for itself if you visit the dentist twice per year 
  • From only €17,06/month
  • Insurance in case legal disputes should arise. Free lawyer consultation with the membership.

Stuttgart is a beautiful city in southern Germany that’s known for its rich culture and history. If you’re planning to live or work in Stuttgart, it’s important to have the right insurance coverage in place. At Stuttgart Expats, we can help you find the best German insurance for your needs. Whether you’re looking for legal protection, dental coverage, auto insurance, household content insurance, personal liability insurance, rental insurance, or bicycle insurance, we can help you find the right policy. Contact us today to get started!

Different Types of Insurance Necessary for Expats in Germany

There are a number of insurances required when you’re living in Germany. Here we have listed most of them for you along with a detailed guide on how you can get them today.

Auto insurance in Germany covers the same as in any other European Union country - damage to the car and injury to the driver and passengers. In addition, it will also cover damages caused by an uninsured driver, up to a certain limit.

Get the cheapest car insurance in Germany today!

On our website, you'll find a wide range of affordable insurance options to choose from. Whether you're looking for comprehensive coverage or just accidental insurance, we've got you covered. We work with a variety of reputable insurers to get you the best rates possible. And because we're an independent brokerage, we're not beholden to any one company. That means we can offer unbiased advice and help you find the policy that's right for you. So why wait? Get a quote today and see how much you could save!

Dental insurances in Germany cover a large percentage of preventive treatments, such as check-ups and cleaning. They also usually cover a good portion of restorative treatments, such as fillings and root canals. However, they do not usually cover major procedures, such as implantation or crowns. You may need to pay an additional amount to get that covered.

Get the best dental insurance today!

Dental insurance is vital for keeping your smile healthy and beautiful. Unfortunately, many dental insurance plans in Germany don't cover all the necessary treatments and procedures. That's why we've done the research for you by comparing coverage, prices, and other important factors to help you get the right plan for your needs. With our help, you can get the dental care you need without breaking the bank. Contact us today to learn more about the services.

Household content's insurance in Germany covers a wide range of items that you might have in your home, such as furniture, appliances, clothing, and other personal belongings. It also usually includes a certain amount of coverage for property damage caused by natural disasters or accidents.

Many policies even offer optional coverage for additional items, such as cell phones, laptops, and jewelry. So it's important to review your policy carefully to see what is and isn't covered. And be sure to add any valuable possessions that aren't already covered to your policy if you want them to be protected in case of theft or damage.

Get household insurance in Germany today!

When it comes to protecting your home, you can never be too careful. That's why it's always a good idea to have household insurance. And if you're living in Stuttgart, Germany, there's no better time to get insured than now.

Household insurance in Stuttgart will not only protect your home from damage, but it will also give you peace of mind knowing that you and your family are covered in case of any accidents or emergencies. So don't wait any longer, get insured today!

Personal liability insurance in Germany covers damages that you may cause to a third party. This could be damage to someone's property or an injury that you may cause to another person. The insurance will also cover your legal costs if you need to go to court.

Get the best liability insurance in Stuttgart

When it comes to liability insurance, it's important to choose a policy that meets your specific needs. That's why we are referring you to the team that offers a wide range of options for coverage in Stuttgart, Germany. They can help you find the right plan. Also, they offer competitive rates and flexible payment options to make sure that your insurance is affordable. And because they're local, they can provide you with the personalized service that you deserve. So if you're looking for the best liability insurance in Stuttgart, be sure to give us a call.

Bicycle insurance in Germany typically covers theft, damage, and personal liability. It's important to read the specific policy to see exactly what is covered. For example, some policies may not cover damage caused by a collision with a motor vehicle. And some policies may only cover a certain amount of theft or damage, so it's important to know what the policy limits are.

Get bicycle insurance today!

Bicycles are becoming increasingly popular, both as a mode of transportation and as a way to stay fit. However, bikes can be expensive, and they are vulnerable to theft and damage. That's why it's important to make sure your bike is properly insured. Bicycle insurance can help to cover the cost of repairs or replacements if your bike is stolen or damaged. So whether you're a casual rider or a serious cyclist, bicycle insurance is an important investment. Get covered today!

Pet health insurance policies in Germany vary, but most of them cover routine check-ups, accidents, and illnesses. In some cases, you can also add coverage for things like Behavioral Therapy or Dental Care.

This helps to ensure that all pets have access to necessary medical care when they need it. And since there are so many veterinarians in Germany, you're never too far away from getting the help your pet needs.

Get pet health insurance (Tierkrankenversicherung)

As a pet owner, you want to do everything you can to keep your furry friend healthy and happy. But even with the best care, accidents and illnesses can happen. That's why it's important to have pet health insurance. With pet health insurance, you can rest assured knowing that your pet will be covered in the event of an unexpected illness or injury. And because pet health insurance plans vary in coverage and costs, you can find a policy that fits your budget and your pet's needs. So don't wait – get pet health insurance today.

Dog liability insurance in Germany typically covers any third-party bodily injury and property damage caused by your dog, medical expenses incurred by a person who is injured by your dog, and legal costs if you are sued for damages caused by your dog.

Get help with dog liability insurance

If you're a pet owner, you know that accidents happen. Dogs especially are prone to getting into mischief, and sometimes that can result in property damage or injuries to others. That's why it's important to have dog liability insurance, which can help to cover the cost of damages if your dog does something it shouldn't. Fortunately, getting coverage is easy now as there are a variety of plans to suit every budget, and our team of experts is always available to answer any questions you may have. So don't wait - get started today and give yourself peace of mind knowing that you're protected in case of an accident.

A lawyer insurance or legal insurance policy in Germany typically provides liability coverage for the policyholder in the event that they are sued for damages as a result of their professional conduct. The policy may also provide coverage for certain other risks, such as property damage or personal injury.

Get legal insurance (Rechtsschutzversicherung) in Germany today!

Everyone should have legal insurance, especially if you live in a city like Stuttgart where the cost of living is high. Rechtsschutzversicherung covers you in the event that you need to go to court for any reason, whether it's a car accident or a dispute with your neighbour. It's easy to get legal insurance in Stuttgart - just contact use with the information given below and one of our friendly representatives will be happy to help you. Don't wait until it's too late - get legal insurance today!

How Does Insurance Work in Germany?

In Germany, insurance is regulated by the Insurance Contract Act (Versicherungsvertragsgesetz). This law sets out the rules that apply to insurance contracts, including those for life, health, property, and liability insurance. It also establishes the rights and obligations of insurers and insured individuals or entities.

Under German law, insurance is considered a contract of adhesion. This means that the terms of the contract are not negotiable and that the insurer has all of the power in setting the terms. The insured individual or entity must accept these terms in order to be covered. In some cases, however, an insurer may be willing to negotiate certain aspects of the contract, such as the premium or the level of coverage.

 German law also requires that insurers have a license to operate in the country. In order to obtain a license, an insurer must meet certain financial requirements and be able to prove that it has adequate resources to pay claims. Insurers must also adhere to strict advertising guidelines and disclose all relevant information about their products in a clear and concise manner.


In Germany, there are three types of insurance that are considered mandatory: health, automobile, and personal liability.

Health insurance is a public system, so everyone is insured and there is no co-payment required. All Germans have the same health insurance, which covers inpatient and outpatient care, as well as prescription drugs.

Automobile insurance is a private system, so you can choose from different providers. The basic coverage includes third-party liability, property damage, and medical expenses.

Personal liability insurance covers damages that you may cause to another person or their property.

Yes, a foreigner can get insurance from Germany, but only private insurance. The state-run health care system in Germany is for citizens and permanent residents of Germany only. There are many private insurers in Germany, and most of them have English-language websites where you can learn more about their plans and premiums. Be sure to do your research carefully, as not all insurers are created equal. Some offer better coverage than others, and some are more expensive than others.

Germany has a universal multi-payer health care system. Everyone in Germany is required to have health insurance, and there are a number of different public and private health insurance providers. The German healthcare system is often held up as a model for other countries. It is considered to be one of the best in the world, and it covers everyone without exception. The cost of healthcare is spread out among all the participants, so it is relatively affordable for everyone.

German liability insurance covers you for injuries or damages that you may cause to another person or their property. The policy will also provide coverage if you are sued in connection with an accident or injury.

Travel insurance

  • Travel assistance 24/7 for all questions, problems and emergencies
  • Reimbursement of withdrawal and cancellation costs (including cancellation advice in the event of illness)
  • Baggage insurance included from the Comfort package
  • From the comfort package, travel interruption insurance included
  • Travel health insurance can be booked as an option

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Information in regards to § 18 Abs. 6 Zahlungskontengesetz: This is not a complete market overview.

This information is for reference purpose only, we strive to make sure the information is accurate and accept no liability.


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