Updated September 28, 2026 · AssureCue Editorial Team
kautionsfrei.de vs Travelers
Where kautionsfrei.de and Travelers differ
| Compare |  kautionsfrei.de | Travelers ReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Renters | Auto, Home, Renters, Motorcycle, Travel, Pet, LandlordCovers more |
| Provider type | Broker | Insurer |
| Claims channels | Email, Fax, Post | Online, Phone, Mail, Fax, Agent |
| Age range | 18+ | 8 weeks and older, no upper age restriction |
| Premium from | €4.17 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Cover limit | 50,000 EUR | Not confirmed |
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Key differences
- Travelers scores higher overall: 9.6 vs 9.0.
- Founded is lower at Travelers: 1864 vs 2009.
- Travelers is available in 3 more countries.
- Insurance types: only Travelers offers Auto, Home, Motorcycle.
- Claims channels: only kautionsfrei.de offers Email, Post.
- Claims channels: only Travelers offers Online, Phone, Mail.
- 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.
Travelers
Travelers is a US insurer that writes its own policies across auto, home and renters, so a household can place car, home and pet cover with one company. It suits people who would rather deal with the underwriter than shop a broker's panel, and the record goes back to 1864.
Score breakdown
| Area | kautionsfrei.de | Travelers |
|---|---|---|
| Cost | 9.2Entry price of €4.17 sits under the site median of €8.37, ranking 80 of 252. | Not confirmed |
| Offer | 9.0 | 9.3Higher |
| Trust | 8.7 | 9.7Higher |
Availability and regulation
| Country | kautionsfrei.de | Travelers |
|---|---|---|
| Germany | Not confirmed | |
| United States | Not confirmed | State of Connecticut Certificate of Authority #6521 (Travelers Property Casualty Insurance Company) |
Additional countries for kautionsfrei.de: 1. Additional countries for Travelers: 4.
Side by side, item by item
| Insurance types | kautionsfrei.de | Travelers |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Renters | Yes | Yes |
| Travel | No | Yes |
| Pet | No | Yes |
| Motorcycle | No | Yes |
| Landlord | No | Yes |
Where they rank in our lists
| Ranking | kautionsfrei.de | Travelers |
|---|---|---|
| Home insurance | 20 of 273 | 39 of 273 |
| Renters and contents insurance | 6 of 78 | 13 of 78 |
Sources behind this comparison
kautionsfrei.de
- kautionsfrei.de: 12 facts, checked September 26, 2026
Travelers
- travelers.com: 8 facts, checked September 26, 2026
Every fact side by side
| Fact | kautionsfrei.de | Travelers |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | plusForta GmbH (Amtsgericht Dusseldorf, HRB B 60806) | The Travelers Indemnity Company |
| Headquarters | Germany | United States |
| Founded | 2009 | 1864Lower |
| Support channels | Phone, Chat, Email, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | kautionsfrei.de | Travelers | Median |
|---|---|---|---|
| Premium from | €4.17below the median | Not confirmed | €5.97 |
Median across 109 listed insurance providers.
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.
Travelers
Pros
- Covers auto, home and renters, from vehicles and homes through renters, landlord and pet policies under one name.
- Writes the policies itself as an insurer, so the contract sits with the company you deal with rather than a broker.
- Pet policies accept 8 weeks and older, no upper age restriction, so a puppy and a mature animal both fit.
Cons
- General support runs on phone and help centre, with no email address or live chat listed.
- The published line-up is auto, home and renters, so there is no health or life policy to add to the same account.
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.
Travelers
Who it suits
- US households who want auto, home, renters, landlord and pet cover from one underwriter.
- Pet owners whose animals fall inside 8 weeks and older, no upper age restriction.
- People who like an agent in the room, since online, phone and mail are open for claims.
Who should look elsewhere
- Good Sam Insurance Agency, if life and health cover matter, since its auto, home and renters reach beyond auto, home and renters.
- Hiscox UK, where landlord and renters cover with home emergency is the priority, as home, renters and landlord include it.
- Euroasia Insurance, if gadget cover is the point, because auto, home and travel list gadget and auto, home and renters does not.
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 | Travelers |
|---|---|---|
| Canada | No | Yes |
| Germany | Yes | No |
| Ireland | No | Yes |
| United Kingdom | No | Yes |
| 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.
Travelers
What insurance does Travelers sell?+
Travelers lists auto, home and renters as its product range, covering vehicles, homes, rental properties, landlords, trips and pets under one name. The legal entity named for car business is The Travelers Indemnity Company, and the company describes itself as an insurer rather than a comparison site.
Is Travelers an insurer or a broker?+
Travelers is an insurer: policies are underwritten by the company itself, with The Travelers Indemnity Company named for car cover. That matters if you want the contract to sit with one named company rather than a panel of providers chosen by a broker.