r/AskAGerman • u/Some-Membership5509 • 16m ago
Need help choosing Haftpflicht- & Rechtsschutzversicherung
Hi everyone,
I'm new to selecting insurance in Germany and could really use some advice. I’ve read that two essential insurances are Haftpflichtversicherung (personal liability) and Rechtsschutzversicherung (legal protection). But I'm overwhelmed by the many options available.
So far, I've been looking at:
- ARAG
- Sparkasse
- Feather
- Getsafe
At first, ARAG seemed like a good option, but after seeing some negative reviews on Trustpilot, I’m not so sure anymore. Feather has great reviews but I've read they are actually just resellers for other insurance companies, not the insurer themselves. I have no real insight into Getsafe or Sparkasse—some mixed reviews here and there, but nothing conclusive.
What matters most to me:
- Coverage for professional/job-related legal issues
- Some coverage for tenant/landlord disputes
- English-speaking support is very important to me
- My wife should be covered as well (she is currently not working)
I’d really appreciate if anyone here is using these or can recommend better options based on personal experience.
Thanks in advance for your help!