Updated September 28, 2026 · AssureCue Editorial Team
GEV Grundeigentümer Versicherung vs Groupama MRH
What sets them apart
| Compare |  GEV Grundeigentümer Versicherung |  Groupama MRH |
|---|---|---|
| Premium from | €4.85Lower | €12.90 |
| Insurance types | Home, Renters, Landlord | Auto, Home, Landlord, Life, Health, Dental, Pet, Motorcycle, Gadget, Home emergency, Travel |
| Excess from | €250 | €174 to €354Lower |
| Claims channels | Phone, Online form | Online, Mobile app, Phone, Agency |
| Cover limit | Not confirmed | Contents (capital mobilier) from EUR 10,627 on Protection Indispensable to EUR 60,402 on Protection Premium, which can also insure furniture with unlimited value |
| Age range | Not confirmed | Reduced student tariff for tenants under 26 (2 rooms maximum) |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Groupama MRH scores higher overall: 9.3 vs 9.2.
- Founded is lower at GEV Grundeigentümer Versicherung: 1891 vs 1900.
- Premium from is lower at GEV Grundeigentümer Versicherung: €4.85 vs €12.90.
- Excess from is lower at Groupama MRH: €174 to €354 vs €250.
- Insurance types: only GEV Grundeigentümer Versicherung offers Renters.
- Insurance types: only Groupama MRH offers Auto, Life, Health.
- Claims channels: only GEV Grundeigentümer Versicherung offers Online form.
- Claims channels: only Groupama MRH offers Online, Mobile app, Agency.
- Support channels: only GEV Grundeigentümer Versicherung offers Email.
- Support channels: only Groupama MRH offers Chat.
Our verdict on each
GEV Grundeigentümer Versicherung
GEV Grundeigentümer Versicherung is a German mutual insurer for property, so homeowners, tenants and landlords deal with the underwriter directly. It suits people insuring a home, a rented flat or a let building who want cover from a provider trading since 1891 on monthly payments.
Groupama MRH
Groupama MRH is a French insurer founded in 1900, with a personal book spanning motor, home, health and pet cover, and it suits households who want every policy with a single provider. Older customers in particular are the listed audience, while the catch is what a claim leaves you paying.
Score breakdown
| Area | GEV Grundeigentümer Versicherung | Groupama MRH |
|---|---|---|
| Cost | 8.9Higher | 8.8Claim excess runs €174 to €354, and the starting premium sits above the site median of €8.37. |
| Offer | 8.8 | 9.6Higher |
| Trust | 9.7 | 9.7 |
Where each is licensed and available
| Country | GEV Grundeigentümer Versicherung | Groupama MRH |
|---|---|---|
| France | Not confirmed | |
| Germany | Not confirmed |
Additional countries for GEV Grundeigentümer Versicherung: 1. Additional countries for Groupama MRH: 1.
Where they rank in our lists
| Ranking | GEV Grundeigentümer Versicherung | Groupama MRH |
|---|---|---|
| Home insurance | 14 of 273 | 72 of 273 |
| Landlord insurance | 3 of 55 | 14 of 55 |
What we checked
GEV Grundeigentümer Versicherung
- gev-versicherung.de: 12 facts, checked September 26, 2026
Groupama MRH
- groupama.fr: 12 facts, checked September 26, 2026
- fr.wikipedia.org: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | GEV Grundeigentümer Versicherung | Groupama MRH |
|---|---|---|
| Audience | Seniors | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Grundeigentümer-Versicherung, Versicherungsverein auf Gegenseitigkeit (VVaG) | Assurances Mutuelles Agricoles Groupama |
| Headquarters | Germany | France |
| Founded | 1891Lower | 1900 |
| Support channels | Email, Phone, Help centre | Phone, Chat, Help centre |
Where each stands against the rest
| Fact | GEV Grundeigentümer Versicherung | Groupama MRH | Median |
|---|---|---|---|
| Premium from | €4.85below the median | €12.90above the median | €5.97 |
| Excess from | €250highest quarter | €174 to €354above the median | €70 |
Median across 109 listed insurance providers.
Pros and cons
GEV Grundeigentümer Versicherung
Pros
- It carries its own risk as an insurer, insurer, and operates as a mutual association, so policyholders share the risk they cover.
- A single provider covers home, renters and landlord policies, home, renters and landlord.
- Premiums can be spread monthly, monthly, which suits income arriving across the year.
Cons
- The building excess starts at €250, so the insurer's payout is reduced on every claim.
- Support runs on email, phone and help centre only, with no chat or community channel.
- The stated audience is seniors, seniors, so the range is aimed at older property owners.
Groupama MRH
Pros
- Auto, home, landlord, life, health, dental, pet, motorcycle, gadget, home emergency and travel are all on the book (auto, home and landlord), so policies can sit with the same insurer.
- Claims can be opened online, in the mobile app, by phone or in an agency (online, mobile app and phone), so help is not tied to a single channel.
- Monthly payments are available, so the premium is collected as a regular payment rather than a single sum.
Cons
- The excess on a home claim runs €174 to €354, so a small loss can cost you money.
- Support runs on phone, chat and help centre only, with no email route listed.
- Contents cover is capped on the entry home tier, and unlimited furniture value comes with the top tier alone.
Who each suits
GEV Grundeigentümer Versicherung
Who it suits
- Older German homeowners who would rather insure with a mutual association than go through a broker.
- Landlords letting out a building, since landlord cover sits alongside home and renters cover from the same insurer.
- Anyone who prefers spreading the premium monthly rather than settling it in a lump.
Who should look elsewhere
- Hiscox UK, whose list also runs to auto and home emergency, home, renters and landlord, for a household with a car as well as a property.
- Good Sam Insurance Agency, which sells life, health, travel, pet and motorcycle alongside property, auto, home and renters.
- Euroasia Insurance, whose starting premium of UZS 60,000 sits in a different market, for readers comparing across regions.
Groupama MRH
Who it suits
- Households that want home, motor, health and pet cover with a single French provider.
- Older policyholders, the audience the brand is listed for.
- Tenants who are students and can use the reduced home tariff.
Who should look elsewhere
- Price-first readers, since bunq shows a premium from €0 while Groupama MRH starts at €12.90.
- Shoppers who want a leaner book, since Good Sam Insurance Agency covers auto, home and renters and leaves landlord, dental and gadget cover to others.
Current offers
GEV Grundeigentümer Versicherung
Current offer
Discount code
Kombirabatt 25% auf Hausratversicherung: 25%
Requires holding or taking out a Wohngebäudeversicherung with GEV at the same time
Source, checked September 26, 2026
Discount code
Haus & Grund Mitgliederrabatt: 10%
Members of Haus & Grund, registered with the GEV
Source, checked September 26, 2026
Groupama MRH
Current offer
Bonus
EUR 50 off the first year of a Groupama Habitation policy: EUR 50
Subscribe in 2026 to two new contracts, minimum annual premium EUR 100 incl. tax; 1 January to 31 December 2026; page header shows the offer running until 30 October 2026; not combinable, see conditions in agency
Source, checked September 26, 2026
Bonus
Up to EUR 250 off on Groupama Sante Active, Groupama Sante Active Senior or Groupama Sante: EUR 200 (page banner: up to EUR 250)
Contract of at least 1 year, minimum annual premium EUR 200 incl. tax, plus a second contract in the same period; 7 September to 17 October 2026; not combinable with other advantages
Source, checked September 26, 2026
First period offer
One month free on the first year of a Groupama chien-chat policy: 1 month of premium
New subscription of a Groupama assurance chien-chat, offer valid 1 January to 31 December 2026
Source, checked September 26, 2026
Country by country
| Country | GEV Grundeigentümer Versicherung | Groupama MRH |
|---|---|---|
| France | No | Yes |
| Germany | Yes | No |
Questions about each
GEV Grundeigentümer Versicherung
What does GEV Grundeigentümer Versicherung insure?+
It writes property lines for home, renters and landlords, home, renters and landlord. That mix suits an owner who wants the building, the flat and a let property handled by the same underwriter, and GEV is an insurer, insurer, so the risk sits with the company that pays the claim.
How much does the cover cost?+
Premiums start at €4.85 for building cover, against a site median of €8.37. On price the brand sits at 90 out of 252 brands, and its cost part of the score is 3.9 out of 3.9 overall. The final figure depends on the property and the cover chosen.
Groupama MRH
How much does cover start at?+
Home cover starts at a premium from €12.90, and monthly payments are available so the cost is spread out. That entry figure sits above the site median of €8.37, and the excess on a claim runs €174 to €354, so small claims can end up costing you.
Who regulates Groupama MRH?+
It is an insurer (insurer) registered in France, supervised by ACPR, the Autorite de controle des assurances et des caisses d'epargne. Because the company carries the risk itself, a claim is paid by the insurer named on the policy rather than being passed to another provider.
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