Updated September 28, 2026 · AssureCue Editorial Team
kautionsfrei.de vs Lemonade
kautionsfrei.de vs Lemonade: the differences
| Compare |  kautionsfrei.de |  Lemonade |
|---|---|---|
| Premium from | €4.17 | $5 |
| Insurance types | Renters | Auto, Home, Renters, Life, PetCovers more |
| Provider type | Broker | Insurer |
| Cover limit | 50,000 EUR | Up to $100,000,000 |
| Claims channels | Email, Fax, Post | App, Phone, Email |
| Age range | 18+ | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Lemonade scores higher overall: 9.2 vs 9.0.
- Founded is lower at kautionsfrei.de: 2009 vs 2015.
- Lemonade is available in 4 more countries.
- Insurance types: only Lemonade offers Auto, Home, Life.
- Claims channels: only kautionsfrei.de offers Fax, Post.
- Claims channels: only Lemonade offers App, Phone.
Our verdict on each
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.
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 | kautionsfrei.de | Lemonade |
|---|---|---|
| Cost | 9.2Entry price of €4.17 sits under the site median of €8.37, ranking 80 of 252. | 9.2Premiums start at $5 on monthly payments, below the site median of €8.37. |
| Offer | 9.0 | 9.4Higher |
| Trust | 8.7 | 8.9Higher |
What each covers
| Insurance types | kautionsfrei.de | Lemonade |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Renters | Yes | Yes |
| Life | No | Yes |
| Pet | No | Yes |
How they place
| Ranking | kautionsfrei.de | Lemonade |
|---|---|---|
| Home insurance | 20 of 273 | 15 of 273 |
| Renters and contents insurance | 6 of 78 | 4 of 78 |
Every fact side by side
| Fact | kautionsfrei.de | Lemonade |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | plusForta GmbH (Amtsgericht Dusseldorf, HRB B 60806) | Lemonade Insurance Company |
| Headquarters | Germany | United States |
| Founded | 2009Lower | 2015 |
| Support channels | Phone, Chat, Email, Help centre | Phone, Email, Chat, Help centre |
Pros and cons
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.
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
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.
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
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
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 | kautionsfrei.de | Lemonade |
|---|---|---|
| France | No | Yes |
| Netherlands | No | Yes |
| United Kingdom | No | Yes |
| United States | No | Yes |
| Germany | Yes | Yes |
Questions about each
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.
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.
Other options to compare
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