9 Insurances

9.1 Health Insurance

mandatory for students
~€100-150/month
primary providers
- TK (Technikerkrankenkasse) which has websites and customer service in English
- ?

Liability insurance
Very cheap at around €60/year. yes, per year.
Not legally mandatory, but should consider it de facto mandatory. Do not skip. Provides millions in coverage in case you get sued for something.

general property insurance
similar to homeowner’s and/or rental insurance for things you own if they’re stolen, damaged, destroyed, etc.
much lower priority than Haftplichtversicherung, but comes at a similar cost for tens of thousands of euros in coverage. so in the very unfortunate event that your apartment burns down, for exmaple, you will be reimbursed for the items you own.
- make sure to occassionally photograph your belongings so you actually know what you own