Offer
Top PickA comparison against conventional insurers rather than a discount code. Luko operates as a digital insurer without branches, which is where the difference in overhead comes from.
Expires: Limited Time Offer
Monthly
The cheapest policy at €4.99 a month. Personal liability covers damage you cause to others rather than to your own property, which is a legal requirement in some rental contracts in Germany.
Expires: Limited Time Offer
Monthly
From €5.40 a month for contents cover. Check the sum insured against what replacing everything would actually cost, since underinsuring is the most common mistake in this category.
Expires: Limited Time Offer
Monthly
From €6.10 a month. Dog liability is compulsory in several German states and for certain breeds regardless of state, so it is worth confirming your local rules.
Expires: Limited Time Offer
Monthly
The most expensive policy at €14.50 a month, covering veterinary treatment rather than liability. The two are separate products and most owners of dogs need both.
Expires: Limited Time Offer
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