Private Liability Insuranceeveryday protection
Independent comparison & advice for private liability insurance by goInsure — understand coverage, limits, and exclusions.
Quick overview
What is private liability insurance for?
Private liability insurance covers bodily injury and property damage you cause to others in daily life. Coverage varies by policy: insured persons, deductibles, limits, and territorial scope.
Bodily injury
Property damage
Passive legal protection
Tenant damage
Family coverage
Abroad stays
Coverage
Typical benefits (depending on policy)
A neutral framework to compare offers.
Often covered
- Injury to third parties
- Damage to third‑party property
- Defense against unjustified claims
- Tenant damage within stated limits
- Coverage abroad for limited periods
Common exclusions
- Intentional acts
- Own property damage
- Professional activities
- Motor vehicle liability (separate)
Examples
Typical situations
Examples help illustrate scope — exact coverage depends on conditions.
Broken item at a friend’s home
You accidentally damage a valuable item.
Property damage (policy dependent).
Cycling accident
A pedestrian is injured.
Bodily injury.
Tenant damage
Floor or kitchen damage in a rental.
Tenant damage with limits.
Request a quote for Private Liability Insurance
Receive multiple tailored offers in a few steps with free, independent advice.
We usually get back within 24 hours with a tailored quote.
Options
Options & add‑ons
Extensions vary by insurer.
01
Extended tenant damage
Higher limits for rental property damage.
02
Household coverage
Include additional household members.
03
Worldwide extension
Longer stays abroad.
Advice
Comparison & advice by goInsure
We compare private liability offers and explain differences in plain language.
Neutral comparison
Clear overview of limits and exclusions.
Household fit
Who should be insured in your situation?
Support
Guidance before and after choosing a policy.
Wir prüfen bestehende Policen und zeigen Ihnen Optimierungen oder Alternativen auf – neutral und nachvollziehbar.
Ablauf & FAQ
Ablauf & Häufige Fragen
Alles Wichtige rund um Vergleich, Beratung und die häufigsten Fragen. Gerne stehen wir Ihnen auch telefonisch zur Verfügung.
Process
Vom Bedarf bis zur passenden Offerte – mit neutralem Vergleich.
Capture needs
A few details are enough to start.
Collect quotes
We compare the market and request offers.
Advice & comparison
We review the best options together.
Closure & support
We support you long-term.
Frequently asked questions
Die häufigsten Fragen rund um Private Liability Insurance.
Who is covered under private liability insurance?+
Coverage depends on the household model and insurer.
- Single, couple, family, shared household
- Children and partners as defined
We clarify the right setup for your household.
What is passive legal protection?+
The insurer checks claims and defends you if they are unjustified.
- Review of liability and claim amount
- Defense costs within policy terms
What sum insured is recommended?+
It depends on risk profile and potential financial exposure.
- Family size and activities
- Possible severity of injuries
What is typically excluded?+
Exclusions differ by insurer.
- Intentional acts
- Professional risks
- Motor vehicle liability