TOP 5 Pet Liability Insurances in Germany

TOP 5 German Pet Liability Insurances

As a pet owner in Germany, you are responsible for any damages caused by your animal. Pet liability insurance can help protect you if your pet causes injuries, property damage, or breakage of items. This insurance may also cover legal fees and financial loss incurred by a pet’s accident.

The Bund Der Versicherten (The Federation of Insureds) recommends liability coverage for dogs and horses. Liability insurance for dogs is called “Hundehaftpflichtversicherung.” We collected several offers from different providers, which you can see in the list below.

Promotion: Currently, you can get a €15 discount for your Getsafe pet liability insurance with our link, and a €15 voucher with a pet health insurance from PETPROTECT.

Simply click on the offer that interests you to learn more about the terms.

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Use the list for an overview of different online insurance providers in Germany. We recommend to check different insurance providers and compare their fees and offerings to ensure that you get the best service for your money.

Hundehaftpflicht dog liability insurance germany

Is pet insurance optional??

When it comes to Hundehaftpflichtversicherung, this insurance is required in some states, other states require it for specific dog breeds that are classified as dangerous, and other states don’t require dog liability insurance. If pet liability insurance is optional for you, keep in mind that the pet owner is responsible with all assets and also with income if necessary for a lifetime.

For small pets like cats, separate insurance is not required. In most cases, private liability insurance will cover the damage your small animal causes to anything that is not yours. Double-check your private liability insurance or check out our favourite private liability insurances to ensure that your small pet is insured.

Which German states require dog liability insurance?

  • Compulsory

    • Berlin
    • Hamburg
    • Niedersachsen
    • Sachsen-Anhalt
    • Schleswig-Holstein
    • Thüringen

  • Compulsory for certain breeds

    • Baden-Wurttemberg
    • Brandenburg
    • Bremen
    • Hessen
    • Nordrhein-Westfalen
    • Rheinland-Pfalz
    • Saarland
    • Sachsen

  • Optional - but recommended

    • Bayern
    • Mecklenburg-Vorpommern

How much coverage do you need for Dog Liability Insurance?

Choose an insurance plan that covers at least €5 million euros for property damage and personal injury with a €150 deductible per claim. Typically insurance with solid coverage will cost between €50 and €80. For dog owners who own dogs categorized as dangerous, obtaining dog liability insurance might pose to be a challenge. Some insurance companies do not offer coverage for certain dogs or will charge higher fees.

Own damage is not insured by pet liability insurance.