Insurance Check
Discover which insurance you need with an educational checklist that includes no cost figures; all data stays local on your device.
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How to use this tool (video)
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Insurance Check: Which insurance do I really need?
The insurance check is a practical educational checklist for young adults moving into their first flat. It helps you sort which insurance is a basic requirement, which is highly recommended, and which is only optional or worth weighing up.
Deliberately without specific cost figures: insurance premiums vary so much by provider, tariff and personal situation that flat-rate amounts would be misleading. This checklist does not replace individual advice.
The key points
- Basic: private liability (essential for single households), household contents according to your inventory value.
- Check as a starter: disability cover (BU) protects your earning power but is costly and individual - compare quotes.
- Usually optional: accident, legal expenses. Only after a concrete need.
- Only if applicable: motor liability (mandatory for drivers), comprehensive cover depending on vehicle value.
Frequently asked questions
Which insurance is mandatory for a first flat?
Private liability insurance is the base. Household contents insurance is not mandatory but highly recommended depending on your inventory's value. For drivers, motor liability is legally required.
Why does this check show no costs?
Insurance premiums vary so much by provider, tariff, age, location and contract that flat-rate euro amounts would be misleading. This check helps you set priorities; you should compare concrete quotes individually.
Is accident insurance useful?
For most young singles usually not needed: it only covers accidents, not illness. Often more important is first clarifying what protects your earning power (e.g. disability cover).
Where does my data go?
All inputs stay 100% local in your browser and are neither stored nor transmitted.