What insurance do you need as a student in Germany, and how do you choose?

Beyond the mandatory health insurance in Germany, you should consider additional policies like liability insurance (Haftpflichtversicherung) and household contents insurance (Hausratversicherung). Because of the language barrier, it's often helpful to find a local advisor who speaks English and can explain the policies clearly. Prices vary depending on the coverage and the number of people or areas insured.