One of the first things to organise when moving to German is insurance. Health and liability insurances are necessities. Then there is life insurance, disability insurance, car insurance, renters insurance, pension planning ….There are literally hundreds of insurance companies to chose from (both for state or private healthcare). We found it was easier to go through an independent insurance advisor / broker (who are obliged to find you the best deal and are not employed by an insurance company). I worked with two great English speaking brokers who are experts at helping expats figure out the minefield of German insurance, pensions and more. They were both very patient at explaining the systems, dealing with issues (for example I was pregnant when coming to Gemany so was declined by three health insurance companies at first), not to mention helping with the paperwork.  Their websites are full of great information and they are both active on the toytowngermany message boards giving out advice. Best of all they both have a great sense of humour!

John Gunn

Patrick Ott