KL for Expats

KL for Expats is a specialist insurance advisory service focused on helping international residents in Germany navigate the complex German insurance market. The service provides personalised insurance consulting in English, guiding expats through the specific types of coverage that are essential — or legally required — in Germany.

Germany’s insurance landscape is distinctive: personal liability insurance (Haftpflichtversicherung) is considered near-mandatory by landlords and social convention; household contents insurance is strongly advisable; and for those with pets, dog liability insurance may also be required. For expats unfamiliar with which policies they need and why, KL for Expats provides clear, jargon-free guidance.

The service compares products from multiple German insurers to find the most suitable combination of coverage and price for each client’s individual circumstances — taking into account factors such as family size, housing situation, employment status, and specific risk profile.

For expats who do not speak German at a level sufficient to read and understand policy documents, the value of an English-language insurance advisor cannot be overstated. KL for Expats ensures that clients understand exactly what they are covered for, what exclusions apply, and what to do if they need to make a claim.