Product Overview

Privathaftpflicht (1 YEAR) / Private Liability – Lemonade


Lemonade is a U.S.-based insurance provider that offer insurances in Germany in English language. They use artificial intelligence to offer you individualised coverage. 

You can apply for Lemonade insurance in English by using the link below. 

The Key Benefits: 

  • Easy to understand open source policy
  • Up to 10,000,000 € worth of contents covered per event
  • Instant quotes based on your personal needs
  • Immediate coverage
  • Cancel at anytime
  • Get insurance and file claims from Smartphone App


Go to Lemonade
Damage Coverage

€5 million – €60 million

Back to Private Liability Overview


What is covered by Lemonade’s private liability insurance?

Click on the link above. When you arrive at the home screen scroll down to the Liability Insurance box and click on “Get Liability” Lemonade’s artificial intelligence chatbot, named Maya, will ask you a few questions before giving you a quote. 


  1. Scroll down to the “Monthly Subscriptions” section.
  2. Click on the “Get Liability” button under liability insurance. 
  3. You will be prompted to answer a series of questions:
    1. What is your German address?
    2. Do you live in an apartment, single-family house, or Duplex?
    3. What is the approximate size of your home?
    4. Do you have a burglar alarm or a security camera?
    5. Who lives in your home? (your partner and children will be covered by your plan, not roommates)
    6. Home many insurance claims have you filed in the past 3 years?
    7. What is your date of birth?
  4. You will then receive your quote. If you want to check coverage for liability insurance only, just press the minus sign on the other insurances. 


What is Covered: 

With the basic plan, you are covered if you accidentally cause damage to others or their property. Lemonade will cover a maximum of 10,000,000 €

The basic plan covers 

  • Liability
  • Key Loss Liability 

When do you pay the Giveback?

At the end of June, we calculate and pay the Giveback.