You are covered whether the negligence was yours or that of a family member or even your pet. It is highly recommended if you rent a house or an apartment. Accident and Disability Insurance. Most accident insurance will pay protection in case of death or a daily sum if you are hospitalized or written sick. It may even pay damages in case of injury and any cost relating to cosmetic surgery.
Disability insurance pays a lump sum, the size of which depends on the degree of injury.
The least expensive version is the reine Risiko-Unfallversicherung , which has a low premium and pays a large lump sum in the event of disability. The catch is that it doesn't pay for lesser injuries, such as a broken arm or leg. Home Insurance . But it is recommended and some landlords demand it. Policyholders should make sure they insure their household goods for their full value and maintain a current list of all personal items such as furniture, home entertainment equipment, jewelry and antiques.