INZMO review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

INZMO suits renters and landlords who want a small monthly premium and self-service handling, with cover starting at €1.99. It is a broker rather than an insurer, and the entity behind it, INZMO Europe GmbH, lists only gadget, renters and landlord cover.

Key facts

Best for
Renters and landlords who want low monthly premiums and self-service cover.
Premium from
€1.99 (Source, checked September 26, 2026)
Insurance types
Gadget, Renters, Landlord (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Claims channels
Online self-service portal, Mobile app, Email, Chat (Source, checked September 26, 2026)
Legal entity
INZMO Europe GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Email, Phone, Chat (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
inzmo.com

Apps and profiles

Elsewhere
LinkedInXfacebook.cominstagram.com

Pros and cons

Pros

  • Cover starts at €1.99, below the landlord cover median of €11.33 and the site median of €8.37
  • Monthly payments are offered, and monthly lists monthly as the only payment model
  • Claims run through online self service portal, mobile app and email, so most reports need no phone call
  • Support reaches email, phone and chat, including phone and chat
  • Cover spans gadget, renters and landlord, covering tenants and landlords on one policy

Cons

  • INZMO is a broker under broker, so the cover is underwritten by another insurer and the policy sits outside its name
  • Cover is limited to gadget, renters and landlord, with no home, auto or life policy to add to the same account
  • Its landlord cover starts at €1.99, a small sum against a landlord median of €11.33
  • Claims run on the written channels listed in online self service portal, mobile app and email, while phone contact sits in email, phone and chat instead, so a claim filed by voice means a second route to the same team
INZMO

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Scored 9.0 / 10 by AssureCue.

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Who it suits

  • Renters paying a small monthly premium rather than a yearly one
  • Landlords with a single let property who want a digital, self-service policy
  • Anyone who wants gadget cover in the same account as renters or landlord cover

Who should look elsewhere

  • Householders who want buildings and contents cover, which Hiscox UK lists in home, renters and landlord
  • Drivers looking for auto or motorcycle cover, which Good Sam Insurance Agency includes in auto, home and renters
  • Shoppers who want many policies under one insurer, such as the set Good Sam Insurance Agency covers

What cover costs

The entry point is €1.99, and monthly payments are available, so the smallest policy on the menu costs about the price of a coffee a month. That figure covers the lightest gadget, renters and landlord tiers rather than a large home, and it sits near the low end of what other brokers ask: the site median for entry premiums is €8.37, with a lower quartile of €2.92 and an upper quartile of €29.72. A wide spread runs behind that figure, from €0 at the cheapest end to €3,431.08 at the dearest, so the low entry price says little about what a bigger property will cost. The landlord comparison helps here. Entry premiums for landlord cover run to a median of €11.33 across the ranking, with a lower quartile of €5.26 and a lower bound of €1.50, while the upper quartile reaches €64.40. INZMO opens below all of those, a real saving on a small let, though the gap suggests the policy targets simpler properties. Renters cover sits in the same cheap band, against a median of €8.92 and a lower quartile of €4.38. Payment runs on the monthly model only, with monthly payments offered and no annual option in the way most brands manage billing. Nothing in the pricing set defines excess, discounts for paying early or what a claim payment looks like, so the quote at signup stays the only real number a customer sees.

Who runs it

The company behind the quotes is INZMO Europe GmbH, a broker registered in Germany, with DE given as its home country. A broker does not carry risk itself. It places cover with insurers and takes a commission, so the policy document names the insurer rather than INZMO, and money paid after a claim comes from that insurer. That structure is common: brokers account for 37.2% of the brands on the site, insurers for 42.4% and comparison sites for 18.1%. Because the legal entity sits in Germany, the contract and its terms are German, and the support lines published on its contact page are the ones listed in email, phone and chat. The business dates back to 2017, a young track record next to older insurers, though longer than most of the 75 brands in the renters comparison, where 54 are licensed. On reach, INZMO is stronger than the average brand here: email, phone and chat covers phone, email and chat, and few rivals match all three, since 90.9% of brands on the site offer phone and 74.9% offer email. Filing a claim is a separate route, and online self service portal, mobile app and email lists an online self-service portal, a mobile app, email and chat. That mix suits people who would rather send photos and details in writing than describe a loss on a call, and it is why claims handling can sit entirely online. The set covers gadget, renters and landlord, a short menu of gadget, renters and landlord policies, so a customer with a car, a mortgage or a life policy keeps those elsewhere.

How INZMO compares

Where INZMO is available

Available
Germany

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does cover cost from?+

Entry premiums start at €1.99 for the smallest policies on the menu. That is well below the €8.37 median across the site and below the €11.33 median for landlord cover, so the starting figure suits a modest property rather than a large one.

Can I pay monthly?+

Yes. Monthly payments are available and monthly lists monthly as the only model, so there is no annual billing to compare against. The trade-off is that the cost of the policy depends on staying in place month to month rather than on a longer commitment.

Is my money protected if something goes wrong?+

INZMO is a broker under broker, so cover sits with an insurer and the policy names that insurer. No licence or regulator appears in the published set, so the sensible step is to read which insurer underwrites the policy before paying and check that insurer own protection arrangements.

How do I make a claim?+

Claims run through online self service portal, mobile app and email, which lists an online self-service portal, a mobile app, email and chat. Every listed channel is written, so a claim can be filed with photos and details without making a call, which suits a loss such as a damaged phone or a broken screen.

What kinds of policy can I buy?+

The range is gadget, renters and landlord, covering gadget, renters and landlord policies. There is no buildings and contents cover, and no auto, life or health policy, so anything outside those lines needs another provider.

Who is behind the policies and where is it based?+

The contracting company is INZMO Europe GmbH, a broker based in Germany, and it has traded since 2017. Being a broker means the terms, the complaints route and the insurer named on the policy all sit with the underwriting insurer rather than with INZMO.

How do I reach support?+

Support runs on email, phone and chat, which covers phone, email and chat. That mix is broader than most brands on the site, where 90.9% of brands offer phone and 40.3% offer chat, so billing or wording questions can be put in whichever form suits.

Do I need an app to manage the policy?+

Not strictly, though a mobile app appears in online self service portal, mobile app and email alongside the online self-service portal, email and chat. Handling a claim or a change in writing through the app or the portal covers most day to day admin.

Sources

  • inzmo.com checked September 26, 2026

    Backs: Founded, Insurance types

    “Since 2017, we've been bringing innovation to our customers to make insurance easy to understand and accessible for everyone.”

  • inzmo.com/deu/en/buy-mobile-insurance checked September 26, 2026

    Backs: Claims channels, Pricing model, Monthly payments, Premium from

    “You can easily submit a claim by going to self-service.inzmo.com ... Alternatively, you can also use the INZMO app to report the damage.”

  • inzmo.com/deu/en/contact checked September 26, 2026

    Backs: Support channels

    “Whether it's phone, email or chat, let us know what we can help you with today!”

  • inzmo.com/deu/en/inzmo-impressum checked September 26, 2026

    Backs: Headquarters, Legal entity

    “Address - Kurfürstendamm 96, 10709 Berlin, Germany”

  • inzmo.com/deu/en/rental-deposit-de checked September 26, 2026

    Backs: Provider type

    “INZMO distributes the rental deposit policy from Baloise, a strong partner with over 150 years of experience.”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

INZMO

INZMO

Renters and landlords who want low monthly premiums and self-service cover.

9.0/10See alternatives

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