1. Important insurance coverage concepts for singles

When reviewing or taking out your policy, pay attention to these points:

1. Personal injuries

   • Coverage for damages you cause to other people (e.g., a visitor falling in your home).

   • Ideally: unlimited coverage amount.

2. Property damage

   • Damage to other people's property, e.g. a friend's broken smartphone or water damage to a neighbor's house.

   • Here too, the rule is: choose the highest possible coverage amount (at least €5 million is recommended).

3. Damage to rented property

   • Damage to rented apartments, houses or furnishings (e.g. damaged parquet flooring).

   • Check for a separate clause in the policy.

4. Key loss / Key liability insurance

   • Losing house keys can be expensive – often optional, but sensible.

5. Credit protection

   • It protects you if someone else causes you harm but cannot pay.

6. Damage caused by favors / voluntary work

   • Damages you cause while doing favors or performing voluntary work.

2. Compare tariffs – what matters

• Price ≠ performance: Cheap tariffs often do not cover all risks.

• Check the coverage amount: At least €5 million, preferably unlimited.

• Deductible: Moderate deductibles lower premiums, but should be realistic.

• Family or single policies: As a single person, a single policy – more flexible and cheaper.

3. Claims Checklist for Singles

1. Document everything: save photos, witness statements, and invoices.

2. Check your insurance policy: coverage, maximum amount, deductible.

3. Submit a damage report: Online or via hotline, attach complete documentation.

4. Use Risk-BOT:

   • Initial assessment: Checks whether the damage is generally covered.

   • Completeness check: Helps identify missing documents.

   • Advice in case of disputes: Offers strategies if the insurance company initially rejects the claim.
     ⚠️ Note: Risk-BOT does not replace insurance, but optimizes your claims reporting and preparation.

Safety instead of risk

Singles are particularly vulnerable because they are often on their own. Private liability insurance with high coverage, including damage to rented property and protection against default on claims, safeguards you against financial risks. Combined with digital tools like Risk-BOT, the claims process can be handled faster, more thoroughly, and with less stress.

Check your coverage now, optimize your policy, and protect yourself against costly mishaps. Every minute counts – it pays off in the event of a claim.