Updated September 28, 2026 · AssureCue Editorial Team
kautel Mietkaution vs kautionsfrei.de
Where kautel Mietkaution and kautionsfrei.de differ
| Compare | kautel Mietkaution ReviewVisitVisit |  kautionsfrei.de |
|---|---|---|
| Insurance types | Renters, HomeCovers more | Renters |
| Cover limit | Up to EUR 15,000 for the private rent deposit guarantee | 50,000 EUR |
| Claims channels | Online form, Email, Phone | Email, Fax, Post |
| Age range | 18 years and over (applicant must be an adult) | 18+ |
| Premium from | Not confirmed | €4.17 |
Same on both: Provider type (Broker), Monthly payments (Yes).
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Key differences
- kautionsfrei.de scores higher overall: 9.0 vs 8.9.
- Insurance types: only kautel Mietkaution offers Home.
- Claims channels: only kautel Mietkaution offers Online form, Phone.
- Claims channels: only kautionsfrei.de offers Fax, Post.
- Support channels: only kautionsfrei.de offers Chat.
Our verdict on each
kautel Mietkaution
Kautel Mietkaution suits private tenants in Germany who would rather hold a deposit guarantee than hand over the rent deposit in cash. The private rent deposit guarantee runs to Up to EUR 15,000 for the private rent deposit guarantee, monthly payments are available, and the site is authorised as a broker under D-OJ67-SB118-38.
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.
Score breakdown
| Area | kautel Mietkaution | kautionsfrei.de |
|---|---|---|
| Cost | 9.1 | 9.2HigherEntry price of €4.17 sits under the site median of €8.37, ranking 80 of 252. |
| Offer | 8.9 | 9.0Higher |
| Trust | 8.8Higher | 8.7 |
Licences and countries
| Country | kautel Mietkaution | kautionsfrei.de |
|---|---|---|
| Germany |
Available in 1 country for both.
Where they rank in our lists
| Ranking | kautel Mietkaution | kautionsfrei.de |
|---|---|---|
| Home insurance | 21 of 273 | 20 of 273 |
| Renters and contents insurance | 7 of 78 | 6 of 78 |
What we checked
kautel Mietkaution
- kautel.de: 10 facts, checked September 26, 2026
kautionsfrei.de
- kautionsfrei.de: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | kautel Mietkaution | kautionsfrei.de |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | cresult GmbH (HRB 111977, Amtsgericht Köln) | plusForta GmbH (Amtsgericht Dusseldorf, HRB B 60806) |
| Headquarters | Germany | Germany |
| Founded | Not confirmed | 2009 |
| Support channels | Email, Phone, Help centre | Phone, Chat, Email, Help centreCovers more |
Where each stands against the rest
| Fact | kautel Mietkaution | kautionsfrei.de | Median |
|---|---|---|---|
| Premium from | Not confirmed | €4.17below the median | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
kautel Mietkaution
Pros
- Deposit guarantee cover runs to Up to EUR 15,000 for the private rent deposit guarantee for private renters
- Monthly payments are available, which is the norm across the site at 100%
- Covers both renters and home policies under renters and home
Cons
- Kautel Mietkaution is a broker, broker, so the guarantee is placed with an insurer further down the line
- The cover ceiling is Up to EUR 15,000 for the private rent deposit guarantee for the private rent deposit guarantee, which caps larger deposits
- Support runs on email, phone and help centre only
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
kautel Mietkaution
Who it suits
- Private tenants in Germany who face a rent deposit they would rather not pay in cash
- Adults, as the applicant must be an adult under 18 years and over (applicant must be an adult)
- People who want a single monthly payment for a deposit guarantee
Who should look elsewhere
- Hiscox UK, which is aimed at a UK market rather than German private tenants
- Good Sam Insurance Agency, which lists auto, home and renters without a rent deposit guarantee
- Euroasia Insurance, whose listed lines of auto, home and travel do not include a rental deposit
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
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
| Country | kautel Mietkaution | kautionsfrei.de |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
kautel Mietkaution
Can I pay monthly instead of upfront?+
Yes. Monthly payments are available, and the site data shows monthly models account for 100% of what it lists, so this is a standard pattern rather than an exception. That spreads the cost of the guarantee across the tenancy.
Who regulates Kautel Mietkaution?+
It is authorised as an insurance broker in Germany by IHK Köln, with the registration listed as D-OJ67-SB118-38. As a broker it places the guarantee with an insurer rather than carrying the risk itself, and the head office is in Germany.
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.