Table Of Contents:
- Dog Liability Insurance
- What Does Dog Liability Insurance Cover?
- What Does Dog Liability Insurance Not Cover?
- Who Needs Dog Liability Insurance?
- Best Dog Liability Insurance In Germany For Expats
1. Dog Liability Insurance
The law in Germany says that dog owners are legally responsible for all damages their dogs cause. Whether your dog jumps on your neighbor and rips his pants or bites your neighbor and causes a serious injury, you are liable for paying for the damages. Damages that dogs cause can be a huge financial burden for dog owners. Therefore, it’s really important to get dog liability insurance in Germany if you own a dog. In fact, some German states have made dog liability insurance compulsory.
2. What Does Dog Liability Insurance Cover?
The exact coverage depends on what dog liability insurance policy you purchase. In general, however, dog liability insurance covers the following:
Example: Your dog bites someone and that person needs medical care.
2. Property damage
Example: If your dog gets loose and runs into the road in front of cars and then causes a traffic accident.
3. Broken Items
Example: Your dog is running wild and knocks over your neighbor’s new, expensive flower pot.
4. Legal protection
Example: Someone says your dog bit his dog and wants you to pay for the veterinary costs. You believe these claims are unjustified because your dog was defending itself. Your dog liability insurance would pay for the legal fees and lawyer fees if the claim is unjustified and then you have to go to court over the matter.
3. What Does Dog Liability Insurance Not Cover?
As mentioned before, what is not covered depends on your insurance policy. In most cases, however, the following is not covered:
1. Self damage
An example would be if your dog chewed on your kitchen table. Another example would be if your dog bit you. A general rule of thumb: your insurance covers damages your dog causes to other people and their property, but not you and your personal property.
2. Wear & tear
Let’s say, for example, that your dog sits on your couch everyday. Consequently, overtime your couch gets really dirty and the fabric wears. Dog liability insurance would not pay to replace the wear and tear on your couch.
3. Certain dog breeds
Some dog breeds in Germany are classified as „fighting dogs“. Not all insurance companies offer coverage for these breeds of dogs. See our FAQ below for more information.
For example, you are walking with your dog in a pedestrian area without a leash. An officer issues you a fine because the law says you need to have a leash on your dog in public spaces. Dog liability insurance does not cover fines.
4. Who Needs Dog Liability Insurance?
Some states in Germany require dog owners get dog liability insurance. In other words, it is compulsory. All states in Germany mandate that dog owners pay for any damages caused by their dogs. Therefore, even if you live in a state where dog liability insurance is not compulsory, it is highly recommended.
*See our FAQ below to find out if you live in a state where dog liability insurance is either compulsory or highly recommended.
5. Best Dog Liability Insurance In Germany For Expats
Many insurance companies in Germany offer great dog liability insurance. Since many places in Germany have laws that say dog owners must buy dog liability insurance, there are a lot of options to choose from. This is great news! There’s just one small problem… almost all dog liability insurance providers only offer their services in German. So what if you don’t speak fluent German?
For foreigners living in Germany, COYA’s dog liability insurance is a great option. Like other insurance companies, COYA offers really good coverage. What makes COYA a good choice for foreigners is that all of their services are in English and online. This makes getting insurance quick and easy. You can read about their insurance on their website, apply online and get customer support – all in ENGLISH! Lastly, COYA’s insurance is cheap. Plans start from €5.29/month.
1. Is Dog Liability Insurance In Germany Required By Law?
States where it is compulsory:
States where it depends on the dog breed:
*You can find information about which breeds require dog liability insurance on your local authority’s website.
States where it is highly recommended:
2. Is The Breed Of Dog Important?
Two examples of dogs that are considered dangerous in Germany include Pit Bull Terriers and Staffordshire Terriers.
3. Is My Dog Insured If He Is Not On A Leash?
4. What happens If An uninsured dog bites My Dog?
5. Can I Insure More Than One Dog On My Insurance Contract?
6. Is my dog insured if he defends himself?
7. Steps To Follow If Your Dog Causes Damages
If your dog damages another person or his/her property then you should clarify what damages your dog caused. If you don’t know the person then remember to write down his/her name, address and phone number.
2. Tell your insurance company
After the damage occurs, the next thing you should do is immediately contact your insurance company about the incident. Even if claims for damages have not been made against you, you have to give your insurance company an honest report of what happened. Most insurance companies have an online form you can fill out for these types of situations.
Your insurance company will review your claim, and if it is a a rightful claim, your insurance company will incur the financial costs the damages caused (up to your insured amount).
8. Most Common Types Of Damages Dogs Cause
2. Property damage
3. Injuries to people
4. Traffic accidents
5. Electronics damage
6. Personal damage
9. Does dog liability insurance apply if family members Or friends guard the dog?
On COYA’s website you can get dog insurance in less than 5 minutes (in English)!
It’s also important to note that you should consider getting Personal Liability Insurance! It is one of the most important types of insurance in Germany. To learn more about personal liability insurance, check out our article, „Personal Liability Insurance Germany – The Nr.1 Guide from A-Z (2020).“
One final note – we have a new website for expats in Germany!
It explains everything you need to know (in ENGLISH!) about:
*Full Disclosure: Some of the links we use on this website are affiliate links. By using those links, you help keep our website free. There is no additional cost for you. We also want to note that we only recommend services we trust and that we would use ourselves.