Updated September 28, 2026 · AssureCue Editorial Team
kautionsfrei.de vs Nationwide
kautionsfrei.de vs Nationwide: the differences
| Compare |  kautionsfrei.de | Nationwide ReviewVisitVisit |
|---|---|---|
| Premium from | €4.17 | $35 |
| Insurance types | Renters | Auto, Home, Renters, Life, Motorcycle, PetCovers more |
| Provider type | Broker | Insurer |
| Cover limit | 50,000 EUR | USD 50,000 per bike (custom motorcycle insurance) |
| Claims channels | Email, Fax, Post | Phone |
| Age range | 18+ | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Nationwide scores higher overall: 9.1 vs 9.0.
- Founded is lower at Nationwide: 1925 vs 2009.
- Insurance types: only Nationwide offers Auto, Home, Life.
- Claims channels: only kautionsfrei.de offers Email, Fax, Post.
- Claims channels: only Nationwide offers Phone.
- Support channels: only kautionsfrei.de offers Chat, Email.
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.
Nationwide
Nationwide suits people in the US who want several policies from a single insurer, covering auto, home, renters, life, motorcycle and pet with monthly payments available. Its listed starting premium is $35, a general entry point rather than a quote for a single policy.
Score breakdown
| Area | kautionsfrei.de | Nationwide |
|---|---|---|
| Cost | 9.2HigherEntry price of €4.17 sits under the site median of €8.37, ranking 80 of 252. | 8.8 |
| Offer | 9.0Higher | 8.7 |
| Trust | 8.7 | 9.6Higher |
Which one suits you
Pick kautionsfrei.de if cost and offer matter most.
Pick Nationwide if trust and insurance types matter most.
Where these facts come from
kautionsfrei.de
- kautionsfrei.de: 12 facts, checked September 26, 2026
Nationwide
- nationwide.com: 11 facts, checked September 26, 2026
How they place
| Ranking | kautionsfrei.de | Nationwide |
|---|---|---|
| Home insurance | 20 of 273 | 19 of 273 |
| Renters and contents insurance | 6 of 78 | 5 of 78 |
Every fact side by side
| Fact | kautionsfrei.de | Nationwide |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | plusForta GmbH (Amtsgericht Dusseldorf, HRB B 60806) | Nationwide Mutual Insurance Company |
| Headquarters | Germany | United States |
| Founded | 2009 | 1925Lower |
| Support channels | Phone, Chat, Email, Help centreCovers more | Phone, 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.
Nationwide
Pros
- Personal lines span auto, home, renters, life, motorcycle and pet (auto, home and renters).
- Monthly payments available, with monthly as the listed model.
- An insurer rather than a broker, trading as Nationwide Mutual Insurance Company.
Cons
- Starting premium of $35 sits above the site median of €8.37.
- Support runs on phone and help centre only, with no listed chat or email.
- Health and travel are not among its insurance types (auto, home and renters).
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.
Nationwide
Who it suits
- US households wanting auto, home, renters, life, motorcycle or pet from a single provider.
- Readers who prefer spreading premiums across the year.
- Bike owners who want claims handled by phone (phone).
Who should look elsewhere
- bunq suits readers after banking rather than personal insurance.
- EuroAsia Insurance serves a different market, starting at UZS 60,000.
- Good Sam Insurance Agency fits readers wanting health and travel types.
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 | kautionsfrei.de | Nationwide |
|---|---|---|
| Germany | Yes | No |
| United States | No | 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.
Nationwide
What kind of company is Nationwide?+
Nationwide is an insurer (insurer) rather than a broker, trading as Nationwide Mutual Insurance Company. Its headquarters sit in US and it was founded in 1925. Policies are underwritten by the company itself, so the contract and the claims both sit with the same firm.
How much does Nationwide cost?+
Premiums start at $35 across the personal lines it sells. That figure is a starting point rather than a quote, and the site median for the same measure is €8.37, so this opening price reads as high on the page.
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