Almost one in five Germans has not taken out liability insurance. The insurance cover not only covers property damage, but also personal injury and financial loss.
The insurer pays for damage caused by the insured person to a third party. Damage caused intentionally is also not insured. In such a case, you may be left with the damage, so an additional component in private liability insurance is possible. It is possible to insure the loss of your own apartment as well as the damage caused to others' property.