Updated September 28, 2026 · AssureCue Editorial Team
kautel Mietkaution vs Lemonade
kautel Mietkaution vs Lemonade: the differences
| Compare | kautel Mietkaution ReviewVisitVisit |  Lemonade |
|---|---|---|
| Insurance types | Renters, Home | Auto, Home, Renters, Life, PetCovers more |
| Provider type | Broker | Insurer |
| Cover limit | Up to EUR 15,000 for the private rent deposit guarantee | Up to $100,000,000 |
| Claims channels | Online form, Email, Phone | App, Phone, Email |
| Premium from | Not confirmed | $5 |
| Age range | 18 years and over (applicant must be an adult) | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Lemonade scores higher overall: 9.2 vs 8.9.
- Lemonade is available in 4 more countries.
- Insurance types: only Lemonade offers Auto, Life, Pet.
- Claims channels: only kautel Mietkaution offers Online form.
- Claims channels: only Lemonade offers App.
- Support channels: only Lemonade 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.
Lemonade
Lemonade suits US households wanting several policies in the same app, with premiums starting at $5 a month. Its range is narrow: auto, home and renters covers personal lines only, so anyone needing health or travel cover goes to a broader provider.
Score breakdown
| Area | kautel Mietkaution | Lemonade |
|---|---|---|
| Cost | 9.1 | 9.2HigherPremiums start at $5 on monthly payments, below the site median of €8.37. |
| Offer | 8.9 | 9.4Higher |
| Trust | 8.8 | 8.9Higher |
Licences and countries
| Country | kautel Mietkaution | Lemonade |
|---|---|---|
| Germany | Not confirmed |
Available in 1 country for both. Additional countries for Lemonade: 4.
What each covers
| Insurance types | kautel Mietkaution | Lemonade |
|---|---|---|
| Auto | No | Yes |
| Home | Yes | Yes |
| Renters | Yes | Yes |
| Life | No | Yes |
| Pet | No | Yes |
Where they rank in our lists
| Ranking | kautel Mietkaution | Lemonade |
|---|---|---|
| Home insurance | 21 of 273 | 15 of 273 |
| Renters and contents insurance | 7 of 78 | 4 of 78 |
What we checked
kautel Mietkaution
- kautel.de: 10 facts, checked September 26, 2026
Lemonade
- lemonade.com: 10 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | kautel Mietkaution | Lemonade |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | cresult GmbH (HRB 111977, Amtsgericht Köln) | Lemonade Insurance Company |
| Headquarters | Germany | United States |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Phone, Help centre | Phone, Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | kautel Mietkaution | Lemonade | Median |
|---|---|---|---|
| Premium from | Not confirmed | $5below the median | $16.55 |
Median across 60 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
Lemonade
Pros
- Premiums start at $5 a month, so the first policy is a small commitment
- auto, home and renters policies sit under the same insurer, keeping a household on a single account
- Monthly payments are available, and the pricing model is monthly
Cons
- Health, travel and motorcycle are not among auto, home and renters, so those lines need another provider
- Billing follows monthly alone, so annual cover is not among the payment options
- Life cover tops out at Up to $100,000,000, and the range sits in a single US market
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
Lemonade
Who it suits
- US renters and homeowners who want several policies in the same app
- Pet owners adding an animal policy to an existing monthly account
- People who want a low entry price rather than a long policy list
Who should look elsewhere
- Readers who want health, travel or motorcycle, since those are not among auto, home and renters while Good Sam Insurance Agency lists them in auto, home and renters
- Readers who want a local market rather than the US, where Euroasia Insurance quotes from UZS 60,000
- Readers who rank the entry price above everything else, since bunq is listed at €0 and Lemonade at $5
Current offers
Lemonade
Current offer
Bonus
Rover gift card for new Lemonade Pet policyholders: Rover gift card
New Lemonade pet parents only; code unlocks 2 months after the pet policy starts; one code per account; available in select states; codes expire one year from issue
Source, checked September 26, 2026
First period offer
Pet bundle discount: 10%
Bundle pet insurance with other Lemonade policies (renters, homeowners, car); applies to the base accident and illness policy and vet visit fee and physical therapy add-ons
Source, checked September 26, 2026
First period offer
Pet multi-pet discount: 10%
Policy for more than one cat or dog in the same household
Source, checked September 26, 2026
First period offer
Pet annual payment discount: 5%
Pay for the pet policy annually instead of monthly
Source, checked September 26, 2026
Country by country
| Country | kautel Mietkaution | Lemonade |
|---|---|---|
| France | No | Yes |
| Netherlands | No | Yes |
| United Kingdom | No | Yes |
| United States | No | Yes |
| 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.
Lemonade
How much does Lemonade cost to start?+
Cover starts at $5, which sits below the site median of €8.37 and under the upper quartile of €29.72. Lemonade bills monthly, so the entry figure is what a first policy costs each month rather than an annual sum paid up front.
Which kinds of insurance does Lemonade sell?+
Lemonade lists auto, home and renters as its range, covering the household rather than business risks. Health, travel and motorcycle lines are not in that list, so anyone needing them has to look at a wider provider such as Good Sam Insurance Agency.
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