How are damages to rented property covered in Germany?

For damages to items in a rented home, harm you cause to third-party property (like your landlord's) might be covered by personal liability insurance, known as Haftpflichtversicherung. However, many standard policies only cover damages to rented property (Mietsachschäden) if this specific coverage is explicitly included in your policy. So, check if your policy includes Mietsachschäden. If you don't have this coverage, you'll need to contact your landlord and find a solution.