Updated September 28, 2026 · AssureCue Editorial Team

GEV Grundeigentümer Versicherung vs kautionsfrei.de

GEV Grundeigentümer Versicherung scores 9.2 and kautionsfrei.de 9.0 out of 10. Compare their differences and shared features below.

GEV Grundeigentümer Versicherung

9.2/10

Facts checked September 26, 2026.

kautionsfrei.de

9.0/10

Facts checked September 26, 2026.

Where GEV Grundeigentümer Versicherung and kautionsfrei.de differ

GEV Grundeigentümer Versicherung vs kautionsfrei.de
Compare
GEV Grundeigentümer VersicherungGEV Grundeigentümer Versicherung
ReviewVisitVisit
kautionsfrei.dekautionsfrei.de
ReviewVisitVisit
Premium from€4.85€4.17Lower
Insurance typesHome, Renters, LandlordCovers moreRenters
Provider typeInsurerBroker
Claims channelsPhone, Online formEmail, Fax, Post
Excess from€250Not confirmed
Cover limitNot confirmed50,000 EUR
Age rangeNot confirmed18+

Same on both: Monthly payments (Yes).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Key differences

  • GEV Grundeigentümer Versicherung scores higher overall: 9.2 vs 9.0.
  • Founded is lower at GEV Grundeigentümer Versicherung: 1891 vs 2009.
  • Premium from is lower at kautionsfrei.de: €4.17 vs €4.85.
  • Insurance types: only GEV Grundeigentümer Versicherung offers Home, Landlord.
  • Claims channels: only GEV Grundeigentümer Versicherung offers Phone, Online form.
  • Claims channels: only kautionsfrei.de offers Email, Fax, Post.
  • Support channels: only kautionsfrei.de 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.

Read the full GEV Grundeigentümer Versicherung review

kautionsfrei.de

kautionsfrei.de is a German broker built around a single purpose: renters cover paid monthly, with premiums from €4.17 and a 50,000 EUR ceiling. It suits tenants who want contents protection on a small monthly bill, not landlords or anyone after buildings cover.

Read the full kautionsfrei.de review

Score breakdown

GEV Grundeigentümer Versicherung vs kautionsfrei.de
AreaGEV Grundeigentümer Versicherungkautionsfrei.de
Cost8.99.2HigherEntry price of €4.17 sits under the site median of €8.37, ranking 80 of 252.
Offer8.89.0Higher
Trust9.7Higher8.7

Side by side, item by item

GEV Grundeigentümer Versicherung vs kautionsfrei.de
Insurance typesGEV Grundeigentümer Versicherungkautionsfrei.de
HomeYesNo
RentersYesYes
LandlordYesNo

Where they rank in our lists

GEV Grundeigentümer Versicherung vs kautionsfrei.de
RankingGEV Grundeigentümer Versicherungkautionsfrei.de
Home insurance14 of 27320 of 273
Renters and contents insurance3 of 786 of 78

Where each is licensed and available

GEV Grundeigentümer Versicherung vs kautionsfrei.de
CountryGEV Grundeigentümer Versicherungkautionsfrei.de
Germany

Available in 1 country for both.

Every fact side by side

GEV Grundeigentümer Versicherung vs kautionsfrei.de
FactGEV Grundeigentümer Versicherungkautionsfrei.de
AudienceSeniorsNot confirmed
Pricing modelMonthlyMonthly
Legal entityGrundeigentümer-Versicherung, Versicherungsverein auf Gegenseitigkeit (VVaG)plusForta GmbH (Amtsgericht Dusseldorf, HRB B 60806)
HeadquartersGermanyGermany
Founded1891Lower2009
Support channelsEmail, Phone, Help centrePhone, Chat, Email, Help centreCovers more

Where each stands against the rest

GEV Grundeigentümer Versicherung vs kautionsfrei.de
FactGEV Grundeigentümer Versicherungkautionsfrei.deMedian
Premium from€4.85below the median€4.17below the median€5.97
Excess from€250highest quarterNot confirmed€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.

kautionsfrei.de

Pros

  • Renters cover sold on its own, priced from €4.17 with monthly payments available.
  • Help comes through phone, chat and email, so questions can go to phone, chat, email or the help centre.
  • A stated ceiling of 50,000 EUR makes the payout limit easy to check against a tenant's own inventory.

Cons

  • Claims are handled by email, fax and post only, so a claim starts on a written route rather than by phone.
  • The line sold is renters only, per renters, so home or landlord cover is not part of the range.
  • Plans run on a monthly model only, per monthly, so there is no single annual payment.

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.

kautionsfrei.de

Who it suits

  • Tenants renting in Germany who want cover for their belongings without a buildings policy.
  • Readers who track spending month by month and prefer small monthly premiums.
  • Adults, since the age range starts at 18+.

Who should look elsewhere

  • Anyone insuring a building rather than its contents: Hiscox UK lists landlord and home cover alongside renters, per home, renters and landlord.
  • Readers who want one provider for the whole household: Good Sam Insurance Agency sells home, renters, life, health, travel and more, per auto, home and renters.

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

kautionsfrei.de

Current offer

  • Bonus

    Up to 5 months free private liability insurance via getsafe: Up to 5 months free Haftpflichtversicherung at getsafe, then from 2,94 EUR per month

    Voucher issued to new customers after signing the Buergschaft; insurance concluded online, terminable daily

    Source, checked September 26, 2026

  • Bonus

    Free initial phone consultation with a kautionsfrei.de lawyer: 1 free first phone consultation on a tenancy issue

    Voucher after conclusion of the Buergschaft, redeemable within 2 months, for questions on the old or new tenancy contract

    Source, checked September 26, 2026

Country by country

GEV Grundeigentümer Versicherung vs kautionsfrei.de
CountryGEV Grundeigentümer Versicherungkautionsfrei.de
GermanyYesYes

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.

kautionsfrei.de

What does kautionsfrei.de cost to start?+

Renters cover starts at €4.17 a month, while the site median for a starting premium is €8.37. The entry figure therefore sits below the typical starting point, and the cost score recorded for this brand is 6.7.

Can I pay monthly instead of setting aside a full year of premium?+

Monthly is the only model on offer, per monthly, and monthly payments are available. That suits readers who track spending month by month rather than paying a single larger amount for a full year.

Other options to compare

GEV Grundeigentümer Versicherung

GEV Grundeigentümer Versicherung

Higher score in this comparison

9.2/10Visit

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