top of page
Alle Hände rein

Essential Insurances

Germany offers a large insurance landscape and almost anything is possible. It provides an extensive array of insurance plans, designed to address the diverse requirements of you as an Expat, living and working in Germany. 

At finanXpats, we understand the significance of a solid financial plan for growing your investments and securing your retirement funds. We also recognize the importance of safeguarding your achievements against unexpected events like accidents or illnesses.

In planning for financial independence and security, it's crucial to be protected against these common risks. For expatriates living in a foreign country with different rules, determining relevant risks and the need for additional protection can be challenging.

We prioritize clear communication as a fundamental aspect of our approach.


If you're an expat, we simplify the process by helping you navigate through various insurance products. Our goal is to find the right package tailored to your needs, ensuring optimal coverage at the most affordable premium.

3rd party liability insurance

This insurance provides coverage in case you accidentally cause damage to someone else's property or injure someone. Accidents can happen at any time, and the costs associated with legal claims and compensation can be substantial. Personal liability insurance protects you from financial burdens by covering the costs of legal defense and potential compensation claims.

Legal aid and court costs insurance

Legal disputes can arise unexpectedly and can be expensive to resolve. Legal aids & court costs insurance helps to cover the expenses associated with legal proceedings, including lawyer fees, court costs, and other legal expenses. This type of insurance ensures that you have access to legal representation and assistance when you need it, without having to worry about the high costs involved.

household contents insurance

This insurance covers the belongings within your home against various risks such as fire, theft, vandalism, or natural disasters. In the event of an unfortunate incident, such as a burglary or a fire, household contents insurance ensures that you can replace or repair damaged or stolen items. It provides peace of mind and financial protection for your personal possessions.

Personal accident insurance

Personal accident insurance is designed to provide solid financial protection in the unfortunate event that you are unable to fully recover your abilities following an accident. With Personal accident insurance, you have the flexibility to receive either a lifelong annuity paid in monthly installments, a lump sum payment, or a combination of both, offering comprehensive support tailored to your specific needs.

Occupational disability insurance

When moving to Germany from abroad, it's important to note that for the initial five years before contributing to the social security scheme, there is no coverage in the event of an inability to work due to illness or accident. Occupational disability insurance becomes especially crucial upon arrival, serving as one of the most important insurances. This ensures the financial well-being of your family. Additionally, the advantage lies in its worldwide coverage and benefits, offering a comprehensive safety net beyond the limitations of the social security system.

In Germany, these types of insurance are highly recommended because they provide a safety net against unforeseen events and potential financial liabilities. They offer individuals and households protection and security, minimizing the financial risks associated with accidents, property damage, or legal disputes. While these insurances are not mandatory, it is strongly advised to have these policies to safeguard yourself and your assets in Germany.

bottom of page