Dog liability insurance pays for the damage your dog causes to third parties. As a dog owner, you are legally responsible for your dog's actions.
It's mandatory in some regions of Germany (Berlin, Brandenburg, Hamburg, Lower Saxony, Thuringia and Schleswig-Holstein) and in certain parts of Europe. Our dog liability insurance fulfils the legal requirements for having insurance in Germany.
What’s covered?
Medical injuries to other people
If your dog gets excited and runs into someone, causing them to fall and hurt themselves, your policy will cover the expenses.
Damage to rented apartments
Did your dog decide to chew up your rented furniture? Relax and keep your security deposit when you move out!
Property damage
You'll be covered if your dog damages someone's belongings (E.g. your friend's carpet or laptop).
Financial loss
If your dog bites the mailperson and they can't work after that, dog liability insurance will cover you.
Worldwide coverage
If you’re already covered with Feather’s dog liability insurance and planning on leaving Germany for an extended period your policy covers damages anywhere you travel to.
Feather Customers
Best coverage guarantee
You don’t need to spend time comparing coverages since we’ll cover any claim that would be covered by other dog liability insurance in Germany.
Insurance terms and conditions apply.
Want to know more?
You can get a personal quote or talk to us to learn more about the plans!
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What’s not covered?
Damage to your own property
Replacement or repair of things you own is not covered by dog liability.
Rented electronics
If your dog damages an electronic device you rented from someone else, it’s not covered.
Broken glass in your own home
If you’re renting a flat, glass breakage isn’t covered. You can get household insurance to cover glass.
Purebred dangerous breeds
While we do cover mixed breeds of dangerous dogs, we cannot cover purebred dogs that are classified as dangerous. Check the complete list below.
Dogs breeds that are considered dangerous
• American PitBull Terrier
• American Staffordshire Terrier
• Bullmastiff
• Bullterrier
• Dogo Argentino
• Dogue de Bordeaux
• Fila Brasileiro
• Mastiff
• Mastín Español
• Mastino Napoletano
• Pitbull-Terrier
• Rottweiler
• Staffordshire Bullterrier
• Tosa Inu
(The list applies only to purebred dogs.)
Frequently asked questions
Do I need dog liability insurance if I already have personal liability insurance?
Personal liability insurance covers small animals like cats or birds but dogs usually aren’t covered. This is why we recommend getting dog liability insurance in addition to personal liability insurance.
What happens if my dog has puppies?
Your dog’s puppies are automatically covered by dog liability insurance until they turn 1 year old or when they permanently leave your household, whichever happens, sooner.
Can I get dog insurance for a mixed-breed dog?
Yes! Our dog liability insurance includes mixed-breed dogs, as well as pedigree and cross-breed dogs. Unfortunately, wecannotcover (whether pedigree, cross-breed, or mixed breed) some breeds that are considered to be dangerous can not be covered.
Is dog liability insurance mandatory?
Yes. It’s mandatory in some regions of Germany (Berlin, Niedersachsen, Hamburg, Schleswig-Holstein, Thüringen, Sachsen-Anhalt) as well as other countries.
Does dog liability insurance pay if I leave my dog with someone else?
Your dog is also covered when watched by someone else such as your spouse, children up to the age of 18, or partner (living at your address). When your dog is watched by a non-professional dog sitter it is also covered. However, when hiring a professional dog sitter the dog sitter needs to have liability insurance for this.
How am I covered outside of Germany?
Dog liability insurance coverage is valid worldwide. If you permanently move away from Germany you can keep your dog liability insurance coverage if you want.
Is my dog still covered when walking without a leash?
Yes. Your dog is covered when walking without a leash. Your dog is even covered when walking without a leash in places where leashes are mandatory.
My dog is considered to be a “dangerous” breed can I still be covered?
Some dog breeds are considered “dangerous”. Feather does not cover purebred dangerous dog breeds, however we do cover mixed breeds - dogs that are a partial or full mix of dangerous breeds, for example, a Pitbull x Labrador or Mastiff x Bull terrier. Other insurers may still cover dangerous breeds, and policies for such dog breeds are typically a bit more expensive.
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