2. Feather
Feather Insurance offers personal liability insurance in Germany, with a focus on providing services in English and catering to the needs of expats.
The company’s liability insurance covers a wide range of scenarios, including property damage, personal injury, and asset loss. The coverage starts at around €4.94 per month for a single person and can be extended to cover family members.
Coverage:
- Covers accidental damage to other people’s property, bodily injuries, and financial losses caused by you in various situations, including:
- Damaging someone’s belongings while visiting their home.
- Accidentally injuring someone while participating in activities like sports or hobbies.
- Lost keys or key replacement costs.
- Damage caused by small pets (cats, rabbits, etc.).
- Unintentional damage to rented apartments.
- Legal defense costs in case of liability claims.
- Offers sum insured options ranging from €3 million to €30 million.
Premium Pricing for Single Person (in Germany):
- Starts from 4,94 euros a month per month.
Advantages:
- Expat-specific: Tailored coverage for expats’ needs, including worldwide coverage for some plans.
- Affordable: Competitive pricing compared to other expat-focused insurers.
- Flexible: Customizable coverage levels and optional add-ons like dog liability.
- Digital-first: Manage everything through their user-friendly website and app.
- Transparent: Clear communication about coverage and pricing.
- Positive customer reviews: Generally praised for responsiveness and helpfulness.
Disadvantages:
- Limited availability: Only available in Germany.
- Digital focus: Might not be suitable for those who prefer traditional insurance companies.
- Limited coverage options: Compared to some competitors, might not offer as many specific add-ons.
- Newer company: Less established compared to some traditional insurers.
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