helden.de review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

helden.de suits German households that want home and pet cover arranged through a single monthly account, with claims handled in the app. Premiums start at €3.52 against a home ranking median of €8.50, and the cost score of 4.8 puts it among the cheaper listings here.

Key facts

Best for
Low monthly home and pet cover arranged through a broker and handled in the app.
Premium from
€3.52 (Source, checked September 26, 2026)
Insurance types
Home, Pet (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Excess from
€150 (Source, checked September 26, 2026)
Cover limit
Up to 50 million EUR sum insured (Privathaftpflicht) (Source, checked September 26, 2026)
Claims channels
Online claim form, Email, Phone, App (Source, checked September 26, 2026)
Legal entity
helden.de GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2015 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre, Chat, Community (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
helden.de

Apps and profiles

Elsewhere
LinkedInprovenexpert.com

Pros and cons

Pros

  • Home and pet cover sit in the same account and monthly payments are offered, so a single monthly premium covers the household home and pet.
  • Claims can be filed through an online claim form, email, phone or the app online claim form, email and phone.
  • Personal liability cover carries a sum insured of Up to 50 million EUR sum insured (Privathaftpflicht) with an excess starting at €150.
  • Support runs on email, phone and help centre, so help is reachable by phone, email, chat or a help centre.

Cons

  • Cover runs to home and pet only home and pet, so travel, health or auto needs a different provider.
  • helden.de works as a broker broker rather than carrying the risk itself.
  • Monthly is the only payment model monthly, so there is no annual option and no saving for paying in one go.
helden.de

Ready to try helden.de?

Scored 8.9 / 10 by AssureCue.

See alternatives

Who it suits

  • Households already holding both home and pet cover home and pet.
  • People who would rather report a claim in the app online claim form, email and phone than post a form.
  • Buyers watching the monthly outlay, since the entry premium sits under the home ranking median of €8.50.

Who should look elsewhere

  • Hiscox UK, whose range covers home, renters, landlord, auto and home emergency home, renters and landlord but not pet cover.
  • Good Sam Insurance Agency, which adds life, health, travel and motorcycle to its home and pet lines auto, home and renters.
  • Euroasia Insurance, priced on another market from UZS 60,000, so it is a second reading rather than a swap.

The company behind it

helden.de GmbH helden.de GmbH is a broker based in Germany, founded in 2015. It appears on the German insurance intermediary register run by the Handelskammer Hamburg under D-8CPR-CYNFZ-14. Pre-sale questions go to email, phone and help centre, so a policy can be checked before it is bought.

How helden.de compares

Where helden.de is available

Available
Germany
Licence in Germany
Handelskammer Hamburg (German insurance intermediary register, Versicherungsvermittlerregister) (D-8CPR-CYNFZ-14), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does cover cost to start?+

Premiums start at €3.52 for the entry product, well under the home ranking median of €8.50. Because monthly is the only payment model monthly, the outlay each month stays small instead of committing to a yearly sum.

Can home and pet sit in one account?+

The range runs to home and pet home and pet, and monthly payments are offered, so both can be held in one place. That suits households who would rather pay a single monthly bill than hold separate arrangements with separate providers.

How is helden.de regulated?+

helden.de GmbH helden.de GmbH is registered as an insurance intermediary with the Handelskammer Hamburg under D-8CPR-CYNFZ-14, based in Germany. As a broker broker, it places cover with an insurer, so the wording of that insurer matters for what is actually covered.

How much liability cover comes with the excess?+

The personal liability product carries a sum insured of Up to 50 million EUR sum insured (Privathaftpflicht), with an excess starting at €150. That pairing suits people with a modest liability risk who would rather not put a large sum on the line before a claim is settled.

How do I make a claim?+

Claims run through an online claim form, email, phone or the app online claim form, email and phone, so a claim can be opened without posting anything. Support on email, phone and help centre means an in-app report can still be followed up by a call if a decision is unclear.

Who runs helden.de?+

helden.de GmbH helden.de GmbH is based in Germany and was founded in 2015, operating as a broker broker. Support runs on email, phone and help centre, covering most contact preferences, so questions about a quote do not need an appointment.

How does the entry price compare with the field?+

Entry premiums start at €3.52, which places helden.de at 70 of the 252 brands ranked on that figure. The site median entry is €8.37, so the entry point sits in the cheaper part of the field.

Is pet cover the only add-on?+

The listed range covers home and pet home and pet, with personal liability among the products. A household that also wants travel, health or auto would need to look at providers such as Good Sam Insurance Agency or Hiscox UK auto, home and renters.

Sources

  • helden.de checked September 26, 2026

    Backs: Insurance types, Pricing model, Premium from

    “Hausratschutz, Hundehaftpflicht, Pferdehaftpflicht (home contents, dog liability, horse liability)”

  • helden.de/impressum checked September 26, 2026

    Backs: Provider type, Headquarters, Legal entity, Licences

    “The helden.de GmbH is an Assekuradeur and holds permission under section 34d(1) GewO as an insurance representative (Federal Republic of Germany)”

  • helden.de/kontakt checked September 26, 2026

    Backs: Claims channels

    “Schaden melden (report a claim) link, E-Mail schreiben, Telefon / Fax”

  • helden.de/produkte/privathaftpflicht checked September 26, 2026

    Backs: Cover limit, Excess from, Monthly payments

    “Selbstbeteiligung (je Schadenfall) 150 EUR - excess per claim 150 EUR”

  • helden.de/ueber-uns checked September 26, 2026

    Backs: Founded, Support channels

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

helden.de

helden.de

Low monthly home and pet cover arranged through a broker and handled in the app.

8.9/10See alternatives

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