Your freedom number only grows if a single event cannot eat it up again. Chapter 14 of the book shows how to collect all your documents in an emergency folder. Here you find the insurance policies that belong in that folder, with comparison calculators to request quotes.
For the German market. The comparison calculators on this page are run by TARIF CHECK24 GmbH and compare offers from German providers only. They are in German and are useful if you live in Germany.
We do not give advice and do not recommend any particular insurer. Which insurance you need depends on your situation. The classification follows the Verbraucherzentrale.
Personal liability insurance (Privathaftpflicht)
It pays if you accidentally cause damage to others, for example water damage in the flat below or an accident on your bike. Germany’s consumer advice centre (Verbraucherzentrale) calls it indispensable for everyone. Source (German)
Werbung (advertisement) · powered by TARIFCHECK24 GmbH · German market
The calculator is loaded from TARIF CHECK24 GmbH. When you click the button, your browser connects to their server; your IP address is transmitted and cookies may be set. Details in our privacy policy (German).
Disability insurance (Berufsunfähigkeitsversicherung)
It pays a monthly pension if illness or an accident permanently stops you working in your job. Without income, any freedom number moves far away. The Verbraucherzentrale lists it as important cover for people of working age. Source (German)
Werbung (advertisement) · powered by TARIFCHECK24 GmbH · German market
The calculator is loaded from TARIF CHECK24 GmbH. When you click the button, your browser connects to their server; your IP address is transmitted and cookies may be set. Details in our privacy policy (German).
Contents insurance (Hausratversicherung)
It replaces your belongings after a fire, major water damage or a burglary. Source (German)
Werbung (advertisement) · powered by TARIFCHECK24 GmbH · German market
The calculator is loaded from TARIF CHECK24 GmbH. When you click the button, your browser connects to their server; your IP address is transmitted and cookies may be set. Details in our privacy policy (German).
Term life insurance (Risikolebensversicherung)
It pays an agreed sum to your dependants if you die during the term. According to the Verbraucherzentrale it matters above all for families with children and single parents. Source (German)
Werbung (advertisement) · powered by TARIFCHECK24 GmbH · German market
The calculator is loaded from TARIF CHECK24 GmbH. When you click the button, your browser connects to their server; your IP address is transmitted and cookies may be set. Details in our privacy policy (German).
Private pension and Riester pension
Both are building blocks of retirement provision on top of the German statutory pension. Costs, guarantees and terms vary widely; get several offers and read the costs carefully.
Werbung (advertisement) · powered by TARIFCHECK24 GmbH · German market
The calculator is loaded from TARIF CHECK24 GmbH. When you click the button, your browser connects to their server; your IP address is transmitted and cookies may be set. Details in our privacy policy (German).
Werbung (advertisement) · powered by TARIFCHECK24 GmbH · German market
The calculator is loaded from TARIF CHECK24 GmbH. When you click the button, your browser connects to their server; your IP address is transmitted and cookies may be set. Details in our privacy policy (German).
All your documents in one place: free emergency folder checklist.
Sources (German): Verbraucherzentrale – Welche Versicherung brauche ich? · Private Haftpflichtversicherung · Berufsunfähigkeit. As of 13 Oct 2026. Not insurance advice.