Updated October 16, 2026 · AssureCue Editorial Team
GEV Grundeigentümer Versicherung vs Liberty Mutual
What sets them apart
| Compare |  GEV Grundeigentümer Versicherung |  Liberty Mutual |
|---|---|---|
| Premium from | €4.85 | $5 |
| Insurance types | Home, Renters, Landlord | Auto, Home, Renters, Landlord, Motorcycle, Life, PetCovers more |
| Excess from | €250 | $250 |
| Claims channels | Phone, Online form | Online, Phone, App, Email |
| Cover limit | Not confirmed | Pet insurance annual maximum: $5,000, $10,000 or $15,000 |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Liberty Mutual scores higher overall: 9.4 vs 9.2.
- Founded is lower at GEV Grundeigentümer Versicherung: 1891 vs 1912.
- Liberty Mutual is available in 1 more country.
- Insurance types: only Liberty Mutual offers Auto, Motorcycle, Life.
- Claims channels: only GEV Grundeigentümer Versicherung offers Online form.
- Claims channels: only Liberty Mutual offers Online, App, Email.
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.
Liberty Mutual
Liberty Mutual explains that its listed underwriting companies are separate legal entities that issue the policies.
Score breakdown
| Area | GEV Grundeigentümer Versicherung | Liberty Mutual |
|---|---|---|
| Cost | 8.9 | 8.9 |
| Offer | 8.8 | 9.5Higher |
| Trust | 9.7 | 9.7 |
Availability and regulation
| Country | GEV Grundeigentümer Versicherung | Liberty Mutual |
|---|---|---|
| Germany | Not confirmed | |
| United States | Not confirmed | NAIC 23025 Iowa (state insurance licence) 1002314428 |
Additional countries for GEV Grundeigentümer Versicherung: 1. Additional countries for Liberty Mutual: 2.
How they place
| Ranking | GEV Grundeigentümer Versicherung | Liberty Mutual |
|---|---|---|
| Home insurance | 15 of 273 | 60 of 273 |
| Renters and contents insurance | 3 of 78 | 20 of 78 |
| Landlord insurance | 3 of 55 | 10 of 55 |
Every fact side by side
| Fact | GEV Grundeigentümer Versicherung | Liberty Mutual |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Grundeigentümer-Versicherung, Versicherungsverein auf Gegenseitigkeit (VVaG) | Liberty Mutual Insurance Company |
| Headquarters | Germany | United States |
| Founded | 1891Lower | 1912 |
| Support channels | Email, Phone, Help centre | Phone, Help centre, Email |
Business insurance
| Fact | GEV Grundeigentümer Versicherung | Liberty Mutual |
|---|---|---|
| Cover types | Not confirmed | Public liability, Professional indemnity, Employers liability, Cyber, Property |
| Industries | Not confirmed | Construction, energy, healthcare, technology, manufacturing and others |
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.
Liberty Mutual
Pros
- The captured source states the provider or product information summarized here.
Cons
- This describes the insurer’s stated entity structure and does not determine coverage under any policy.
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.
Liberty Mutual
Who it suits
- Readers looking for the limited background stated in the captured source.
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
Liberty Mutual
Current offer
Discount code
Bundle auto and home insurance online: over $950 average annual savings
Average annual savings based on a countrywide survey of new customers who reported savings when they switched to Liberty Mutual or Safeco between 10/2024 and 9/2025; savings vary; comparison does not apply in MA
Source, checked September 26, 2026
Discount code
Switch to Liberty Mutual auto insurance: over $700
Average annual savings based on a countrywide survey of new customers who reported savings when they switched between 10/2024 and 09/2025; savings vary; comparison does not apply in MA
Source, checked September 26, 2026
Discount code
Pet insurance stackable discounts for existing Liberty Mutual customers: up to 20%
Already a Liberty Mutual customer; products, rates and discounts may vary by state and are subject to change
Source, checked September 26, 2026
Country by country
| Country | GEV Grundeigentümer Versicherung | Liberty Mutual |
|---|---|---|
| Canada | No | Yes |
| Germany | Yes | No |
| United States | No | Yes |
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.
Can I pay monthly instead of yearly?+
Monthly payments are available, and the pricing model is monthly, monthly. Spreading the cost across the year is normal across this ranking too, so it is a baseline expectation rather than a reason on its own. The starting premium of €4.85 is the figure to weigh against that monthly figure.
What excess applies on a claim?+
The excess on building cover starts at €250. That is the part of a settled claim you keep, and it comes off before the insurer pays, so a small loss can settle for far less. Weigh it against the starting premium of €4.85 before deciding.
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