As a German model airplane and drone pilot, flying
MA for more than 55 years I will try to give you some detailed information.
As stated by paulatkin73
you always need a liability insurance as a pilot whether you fly recreational or commercial.
If your model aircraft / drone weighs more than 2 Kilogram and less than 5 Kilogram and you don't fly commercially you also need a so called "Kenntnisnachweis". (Proof of Knowledge)
In case of commercial operation you need a "Drohnenführerschein" (drone-drivers-license) similar to 107.
So if you, like me, fly a DJI Mavic or DJI Air you can fly if you have an insurance, stay below 100 meter and fly VLOS at daylight.....
BUT...
Germans love to forbid :-( and the European community produces more don't s than do's and therefore comes along with a bunch of "hard to understand why" regulations.
The area where you can fly as you like is very sparse.
You may not fly over buildings and properties without the owners consent.
Streets, waterways, power lines are also to be stayed clear by at least 100m distance.
And due to the ecologic mindedness of our government you may not fly over "Naturschutzgebiete" (nature protection zone) AND these are almost everywhere!
The smallest creek is fenced by such an zone and the whole seaside to the North and Baltic sea is off limits for drones.
Hard to understand why, because you may fly over these areas with a manned aircraft at 150 m!
If you want to see what all that means, take a look at Germany with the "
AIRMAP" App. But please be seated before you do so in case you faint! ;-)
Finally, like in the US and IMHO all over the world
privacy is very important.
Some unteachable Idiots ( I can't call them "pilots") created some issues in the past, which were cannibalized by the media and therefore created a strong resentment against drones.