[{"data":1,"prerenderedAt":8096},["ShallowReactive",2],{"comparison-private-haftpflichtversicherung":3},{"directusData":4,"page":8071,"uri":8094,"type":8095},{"id":5,"slug":6,"title":7,"product_selection_title":8,"text":9,"date_updated":10,"factsheet":11,"disclaimer":16,"show_calculator":17,"show_filter":17,"show_layout_toggle":18,"default_parameters":19,"table_columns":20,"table_sort":219,"award_highlight":19,"tags":19,"award_1_label":224,"user_created":225,"award_1_item":231,"items":241},31,"private-haftpflichtversicherung","Die besten Privathaftpflichtversicherungen 2026","Deine Privathaftpflichtversicherungen Auswahl","\u003Ch2>Die besten Privathaftpflichtversicherungen (07\u002F2026)\u003C\u002Fh2>\n\u003Cp>Eine hochwertige private Haftpflichtversicherung ist unverzichtbar. Für geringe Kosten kannst du Risiken absichern, die ansonsten existenzbedrohend sein können. In unserem Vergleich findest du zahlreiche Tarife, aus denen du anhand verschiedener Kriterien die beste private Haftpflichtversicherung für dich heraussuchen kannst.\u003C\u002Fp>","2026-07-01T09:09:00.929Z",[12],{"label":13,"value":14,"icon":15},"Befragte Personen","604","users","\u003Cp>Quellen: Konditionen-Verzeichnisse und Website-Auskünfte der Versicherungen\u003C\u002Fp>\n\u003Cp>Hinweis: Wir können leider keine Gewähr für die Aktualität, Richtigkeit und Vollständigkeit der Informationen auf dieser Seite übernehmen. Auf den Webseiten der entsprechenden Anbieter findest du alle aktuellen Produkt- und Preisinformationen. Die aufgeführten Konditionen im Vergleich beziehen sich auf Neukunden. Wie wir die Punkte für einzelne Konditionen vergeben, findest du in \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vSLVy4oc3f9Viy2Arf65sQzEfGxjh34K0zmH0cjOQJSC_l4KQbKA9jys4dxrZWO5PT8MnJcqc85IE1H\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unserer Übersicht.\u003C\u002Fa> Als Highlights heben wir den Testsieger sowie besonders attraktive Angebote (z.B. eine hohe Startprämie) bei Produkten mit der Note „sehr gut“ farblich hervor.\u003C\u002Fp>\n\u003Cp>*Das ist ein Werbe- oder Affiliate-Link. Wenn du darauf klickst und etwas kaufst oder abschließt, erhalten wir eine Provision. Für dich entstehen dadurch keine Mehrkosten und du unterstützt damit unsere Arbeit. Unsere Produktbewertungen bleiben davon unbeeinflusst. Erfahre hier, \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fso-verdienen-wir-geld\u002F\">wie wir uns finanzieren\u003C\u002Fa>.\u003C\u002Fp>",true,false,null,[21,24,28,33,40,42,45,48,52,56,59,62,65,70,73,76,79,82,86,92,95,98,101,105,110,114,118,122,126,130,133,136,140,143,147,150,154,157,161,164,168,172,175,178,181,184,188,191,194,197,200,203,206,209,212,215],{"label":22,"type":23,"active":17,"key":23},"Anbieter","provider",{"label":25,"key":26,"type":27,"active":17},"Tarif","label","text",{"label":29,"key":30,"type":31,"active":17,"custom_cta":32},"Angebot","url","cta","Beantragen",{"label":34,"key":35,"type":36,"active":17,"sortable":17,"sort_options":37,"description":39,"mobile_rank":19},"Bewertung","rating_single","rating",[38],"desc","\u003Cp>Du willst wissen, wie wir die Tarife bewertet haben? Dann schaue dir \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vSLVy4oc3f9Viy2Arf65sQzEfGxjh34K0zmH0cjOQJSC_l4KQbKA9jys4dxrZWO5PT8MnJcqc85IE1H\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unsere Bewertungskriterien\u003C\u002Fa> an.\u003C\u002Fp>",{"label":34,"key":41,"type":36,"active":18,"description":39},"rating_seniors",{"label":34,"key":43,"type":36,"active":18,"sortable":17,"sort_options":44,"description":39},"rating_couple",[38],{"label":34,"key":46,"type":36,"active":18,"sortable":17,"sort_options":47,"description":39},"rating_family",[38],{"label":49,"key":50,"type":51,"active":18},"Versicherte Personen","insured_persons","multicheck",{"label":53,"key":54,"type":55,"active":18},"Geeignet für Single","suitable_for_single","check",{"label":57,"key":58,"type":55,"active":18},"Geeignet für Paare","suitable_for_couples_without_children",{"label":60,"key":61,"type":55,"active":18},"Geeignet für Alleinerziehende mit Kind","suitable_for_single_parents_with_child",{"label":63,"key":64,"type":55,"active":18},"Geeignet für Paare mit Kindern","suitable_for_couples_with_children",{"label":66,"key":67,"type":27,"active":17,"description":68,"mobile_rank":69},"Jahresbeitrag","annual_fee_single","\u003Cp data-pm-slice=\"1 1 ["list",{},"list_item",{"indent":2,"type":"bulleted"}]\">Ohne persönliche Berechnung zeigen wir den Durchschnitt von Tarifen für Personen im Alter von 18, 40 und 60 Jahren. Der tatsächliche Preis kann abweichen. Der Wohnort für die angezeigten Beispiel-Tarife ist Berlin; es wird jährlich gezahlt, es besteht eine Vorversicherung ohne Schäden in den letzten Jahren und es wird ein Tarif ohne Selbstbeteiligung gewählt.\u003C\u002Fp>",1,{"label":71,"key":72,"type":27,"active":18},"Jahresbeitrag Single Senioren 75 Jahre","annual_fee_senior_single_75_years",{"label":66,"key":74,"type":27,"active":18,"description":75},"annual_fee_couple_without_children","\u003Cp dir=\"ltr\" role=\"presentation\">Ohne persönliche Berechnung zeigen wir den Durchschnitt von Tarifen für Personen im Alter von 18, 40 und 60 Jahren. Der tatsächliche Preis kann abweichen. Der Wohnort für die angezeigten Beispiel-Tarife ist Berlin; es wird jährlich gezahlt, es besteht eine Vorversicherung ohne Schäden in den letzten Jahren und es wird ein Tarif ohne Selbstbeteiligung gewählt.\u003C\u002Fp>",{"label":66,"key":77,"type":27,"active":18,"description":78},"annual_fee_couple_with_child","\u003Cp>Ohne persönliche Berechnung zeigen wir den Durchschnitt von Tarifen für Personen im Alter von 18, 40 und 60 Jahren. Der tatsächliche Preis kann abweichen. Der Wohnort für die angezeigten Beispiel-Tarife ist Berlin; es wird jährlich gezahlt, es besteht eine Vorversicherung ohne Schäden in den letzten Jahren und es wird ein Tarif ohne Selbstbeteiligung gewählt.\u003C\u002Fp>",{"label":80,"key":81,"type":55,"active":17},"Selbstbeteiligung möglich","deductible_option",{"label":83,"key":84,"type":27,"active":18,"sortable":17,"sort_options":85,"mobile_rank":19},"Maximale Versicherungssumme (alt)","maximum_insurance_amount_in_million_eur",[38],{"label":87,"key":88,"type":89,"active":17,"mobile_rank":90,"description":91},"Maximale Versicherungssumme","maximum_insurance_amount_chip","chips",2,"\u003Cp>\u003Cspan data-sheets-root=\"1\">> 50 Mio. € = gut\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan data-sheets-root=\"1\">10 Mio. € - 50 Mio. € = mittel\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan data-sheets-root=\"1\">< 10 Mio. € = schlecht\u003C\u002Fspan>\u003C\u002Fp>",{"label":93,"key":94,"type":27,"active":18},"Versicherungssumme Sachschäden (in Mio. €)","insurance_amount_property_damage_in_million_eur",{"label":96,"key":97,"type":27,"active":18},"Versicherungssumme Personenschäden (in Mio. €)","insurance_amount_personal_injury_in_million_eur",{"label":99,"key":100,"type":27,"active":18},"Versicherungssumme Vermögenschäden (in Mio. €)","insurance_amount_financial_loss_in_million_eur",{"label":102,"key":103,"type":55,"active":18,"description":104,"mobile_rank":19},"Forderungsausfalldeckung (alt)","coverage_for_default_risks","\u003Cp dir=\"ltr\" role=\"presentation\">\u003Cspan class=\"vKEkVd\" data-animation-atomic=\"\">Wenn dir jemand einen Schaden zufügt, aber nicht zahlen kann, weil er kein Geld oder keine eigene Haftpflichtversicherung hat, übernimmt in diesem Fall deine eigene Haftpflichtversicherung die Kosten, sodass du nicht auf dem Schaden sitzen bleibst. Zuerst musst du allerdings versuchen, deinen Schadenersatzanspruch gerichtlich durchzusetzen, was Kosten für Anwalt und Gericht verursacht. Deshalb ist bei \u003C\u002Fspan>\u003Cspan class=\"vKEkVd\" data-animation-atomic=\"\">den meisten Anbietern für diesen Fall der Rechtsschutz inklusive. Er deckt \u003C\u002Fspan>\u003Cspan class=\"vKEkVd\" data-animation-atomic=\"\">\u003Cspan class=\"T286Pc\" data-sfc-cp=\"\">die Anwalts- und Gerichtskosten ab, die für die Durchsetzung deines Schadenersatzanspruchs entstehen.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>",{"label":106,"key":107,"type":89,"active":17,"mobile_rank":108,"description":109},"Forderungsausfalldeckung","coverage_for_default_risks_chip",3,"\u003Cp>\u003Cspan class=\"vKEkVd\" data-animation-atomic=\"\">Wenn dir jemand einen Schaden zufügt, aber nicht zahlen kann, weil er kein Geld oder keine eigene Haftpflichtversicherung hat, übernimmt in diesem Fall deine eigene Haftpflichtversicherung die Kosten, sodass du nicht auf dem Schaden sitzen bleibst. Zuerst musst du allerdings versuchen, deinen Schadenersatzanspruch gerichtlich durchzusetzen, was Kosten für Anwalt und Gericht verursacht. Deshalb ist bei \u003C\u002Fspan>\u003Cspan class=\"vKEkVd\" data-animation-atomic=\"\">den meisten Anbietern für diesen Fall der Rechtsschutz inklusive. Er deckt \u003C\u002Fspan>\u003Cspan class=\"T286Pc\" data-sfc-cp=\"\">die Anwalts- und Gerichtskosten ab, die für die Durchsetzung deines Schadenersatzanspruchs entstehen.\u003C\u002Fspan>\u003C\u002Fp>",{"label":111,"key":112,"type":55,"active":17,"description":113},"Haftpflichtansprüche untereinander","liability_claims_among_insured","\u003Cp dir=\"ltr\" role=\"presentation\">Wichtig bei Paar- und Familien-Tarifen: Sind Schäden unter den versicherten Personen abgedeckt?\u003C\u002Fp>",{"label":115,"key":116,"type":55,"active":17,"description":117},"Deliktunfähige Personen","liability_for_incapacitated_persons","\u003Cp>Wichtig bei Familien-Tarifen: Sind Kinder unter 7 Jahren mitversichert?\u003C\u002Fp>",{"label":119,"key":120,"type":55,"active":17,"description":121},"Best-Leistungs-Garantie","best_performance_guarantee","\u003Cp>Wenn eine andere Versicherung für den Schaden aufkommen würde, zahlt auch deine Versicherung.\u003C\u002Fp>",{"label":123,"key":124,"type":55,"active":17,"description":125},"Automatisches Bedingungsupdate","automatic_condition_update","\u003Cp>Verbesserungen der Versicherungsbedingungen gelten auch für den bestehenden Vertrag.\u003C\u002Fp>",{"label":127,"key":128,"type":55,"active":17,"description":129},"Vorsorgedeckung","precautionary_coverage","\u003Cp>Versicherung gilt auch für Risiken ein, die nach Vertragsabschluss neu entstehen.\u003C\u002Fp>",{"label":131,"key":132,"type":55,"active":17},"Vorüber­gehender Auslands­auf­enthalt","worldwide_validity_temporary_abroad",{"label":134,"key":135,"type":55,"active":18},"Volljährige unverheiratete Kinder","adult_unmarried_children",{"label":137,"key":138,"type":51,"active":17,"mobile_rank":139},"Schlüsselversicherung","key_insurance",4,{"label":141,"key":142,"type":55,"active":18},"Gefälligkeitsschäden (alt)","damage_by_favor",{"label":144,"key":145,"type":89,"active":17,"description":146},"Gefälligkeitsschäden","damage_by_favor_chip","\u003Cp>Uneingeschränkt = gut\u003C\u002Fp>\n\u003Cp>Eingeschränkt = mittel\u003C\u002Fp>\n\u003Cp>Nein = schlecht\u003C\u002Fp>",{"label":148,"key":149,"type":55,"active":18},"Geliehene oder gemietete Sachen (alt)","borrowed_or_rented_items",{"label":151,"key":152,"type":89,"active":17,"description":153},"Geliehene oder gemietete Sachen","borrowed_or_rented_items_chip","\u003Cp>\u003Cspan data-sheets-root=\"1\">Ab 500.000€ = gut\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan data-sheets-root=\"1\">Bis 500.000€ = mittel\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan data-sheets-root=\"1\">Nicht versichert = schlecht\u003C\u002Fspan>\u003C\u002Fp>",{"label":155,"key":156,"type":55,"active":18},"Mietsach­schäden (alt)","rental_property_damage",{"label":158,"key":159,"type":89,"active":17,"description":160},"Mietsachschäden","rental_property_damage_chip","\u003Cp>Mietsachschäden sind versichert, Glas ist mitversichert = gut\u003C\u002Fp>\n\u003Cp>Mietsachschäden sind versichert, Glas ist nicht mitversichert = mittel\u003C\u002Fp>\n\u003Cp>Mietsachschäden sind nicht versichert = schlecht\u003C\u002Fp>",{"label":162,"key":163,"type":55,"active":17},"Allmählich­keits­schäden","gradual_damage",{"label":165,"key":166,"type":55,"active":18,"description":167},"Internetschäden (alt)","electronic_data_processing","\u003Cp>Internetschäden, die durch Schadsoftware verursacht werden.\u003C\u002Fp>",{"label":169,"key":170,"type":89,"active":17,"description":171},"Internetschäden","electronic_data_processing_chip","\u003Cp>Internetschäden, die durch Schadsoftware verursacht werden.\u003C\u002Fp>\n\u003Cp>\u003Cspan data-sheets-root=\"1\">Uneingeschränkt = gut\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan data-sheets-root=\"1\">Eingeschränkt = mittel\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan data-sheets-root=\"1\">Nicht versichert = schlecht\u003C\u002Fspan>\u003C\u002Fp>",{"label":173,"key":174,"type":55,"active":18},"Ehrenamtliche Tätigkeit","volunteer_activity",{"label":176,"key":177,"type":55,"active":18},"Mietwagen (Mallorca-Police)","rental_car_mallorca_policy",{"label":179,"key":180,"type":55,"active":18},"Bauvorhaben","construction_projects",{"label":182,"key":183,"type":55,"active":18},"Gewässergefähr­dende Substanzen (alt)","substances_hazardous_to_water",{"label":185,"key":186,"type":89,"active":17,"description":187},"Gewässergefähr­dende Substanzen","substances_hazardous_to_water_chip","\u003Cp>\u003Cspan data-sheets-root=\"1\">Uneingeschränkt = gut\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan data-sheets-root=\"1\">Eingeschränkt = mittel\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan data-sheets-root=\"1\">Nicht versichert = schlecht\u003C\u002Fspan>\u003C\u002Fp>",{"label":189,"key":190,"type":55,"active":18},"Photovoltaik","photovoltaic_systems",{"label":192,"key":193,"type":55,"active":18},"Heiz­öltank","oil_tank",{"label":195,"key":196,"type":51,"active":17},"Immobilie","real_estate",{"label":198,"key":199,"type":55,"active":18},"Drohnen","drones",{"label":201,"key":202,"type":51,"active":17},"Freizeit","leisure_time",{"label":204,"key":205,"type":55,"active":18},"Pedelecs","pedelecs",{"label":207,"key":208,"type":55,"active":18},"Surfen","surfing",{"label":210,"key":211,"type":55,"active":18},"Motorboot","motorboat",{"label":213,"key":214,"type":55,"active":18},"Hüten fremder Hunde","caring_for_others_dogs",{"label":216,"key":217,"type":218,"active":18},"Besondere Eigenschaften","special_features","features",[220,222],{"label":221,"key":35,"sort":38,"default_sort":17},"Testnote",{"label":66,"key":67,"sort":223,"default_sort":17},"asc","Beste Haftpflicht",{"first_name":226,"last_name":227,"avatar":228,"image":229},"Maximilian","Thomaser","c866698e-1180-4b48-8992-83c826367791",{"id":228,"filename_download":230},"Max.jpeg",[232],{"item":233},{"id":234,"label":235,"url":19,"provider":236},106,"HFK1676 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