Updated October 21, 2026 · SumCue Editorial Team
ERGO Group vs kautel Mietkaution
kautel Mietkaution
ERGO Group
Higher score in this comparison
Where ERGO Group and kautel Mietkaution differ
| Compare | ERGO GroupReviewSee alternativesSee alternatives | kautel MietkautionReviewVisitVisit |
|---|---|---|
| Insurance types | Auto, Home, Dental, Health, Life, Travel, Motorcycle, Income protection | Renters, Home |
| Provider type | Insurer | Broker |
| Cover limit | up to 100% premium protection, dental | Up to EUR 15,000 for the private rent deposit guarantee |
| Claims channels | Online, Phone, Post | Online form, Email, Phone |
| Premium from | €20.65 | Not confirmed |
| Age range | Not confirmed | 18 years and over (applicant must be an adult) |
Same on both: Monthly payments (Yes).
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Key differences
- ERGO Group scores higher overall: 9.2 vs 8.9.
- ERGO Group is available in 22 more countries.
- Insurance types: only ERGO Group offers Auto, Dental, Health.
- Insurance types: only kautel Mietkaution offers Renters.
- Claims channels: only ERGO Group offers Online, Post.
- Claims channels: only kautel Mietkaution offers Online form, Email.
- Support channels: only ERGO Group offers Chat.
- Support channels: only kautel Mietkaution offers Help centre.
Our verdict on each
ERGO Group
ERGO Group suits German households wanting personal cover from one insurer, with premiums from €20.65. Monthly payments are available, so budgets spread out. Buyers shopping purely on the lowest starting price may find cheaper entry points elsewhere.
kautel Mietkaution
kautel Mietkaution suits private tenants in Germany who would rather meet a rent deposit in monthly instalments than pay the full sum up front. The headline figure is Up to EUR 15,000 for the private rent deposit guarantee, with claims handled through online form, email and phone and a plan that runs month to month.
Score breakdown
| Area | ERGO Group | kautel Mietkaution |
|---|---|---|
| Cost | 8.9Premiums start at €20.65, above the €25 and €0 comparison points. | 9.1Higher |
| Offer | 9.3Higher | 8.9 |
| Trust | 9.4Higher | 8.7 |
Feature by feature
| Insurance types | ERGO Group | kautel Mietkaution |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | No |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Income protection | Yes | No |
How they place
| Ranking | ERGO Group | kautel Mietkaution |
|---|---|---|
| Insurance | 165 of 627 | 43 of 627 |
| Home insurance | 77 of 258 | 16 of 258 |
Sources behind this comparison
ERGO Group
- ergo.de: 7 facts, checked September 26, 2026
- ergo.com: 4 facts, checked September 26, 2026
kautel Mietkaution
- kautel.de: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | ERGO Group | kautel Mietkaution |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | ERGO Group AG | cresult GmbH (HRB 111977, Amtsgericht Köln) |
| Headquarters | Germany | Germany |
| Founded | 1997 | Not confirmed |
| Support channels | Email, Chat, Phone | Email, Phone, Help centre |
Where each stands against the rest
| Fact | ERGO Group | kautel Mietkaution | Median |
|---|---|---|---|
| Premium from | €20.65highest quarter | Not confirmed | €6.02 |
Median across 116 listed providers.
Pros and cons
ERGO Group
Pros
- Premium from €20.65, a mid-range entry price for personal cover
- Monthly payments available, so premiums spread across the year
- Cover spans auto, home and dental
Cons
- Starting premium of €20.65 sits above €25 and €0
- Claims can be made online, phone and post only
- Premium protection runs to up to 100% premium protection, dental
kautel Mietkaution
Pros
- Cover reaches Up to EUR 15,000 for the private rent deposit guarantee, so the deposit cash can stay where it is.
- Monthly payments are available, so the cost is spread across the tenancy rather than landing in one go.
- Claims can be made through online form, email and phone, so there is more than one way to report damage.
Cons
- It is a broker, not an insurer, so broker means the guarantee is underwritten elsewhere and the insurer behind your tenancy is worth checking.
- Only adults can apply, as 18 years and over (applicant must be an adult) requires, so a guarantee cannot be arranged for a younger tenant.
- Support runs on email, phone and help centre only, so there is no live chat option.
Who each suits
ERGO Group
Who it suits
- German households insuring a car, home or health cover together
- People who prefer paying premiums monthly
- Applicants wanting a named insurer rather than a broker
Who should look elsewhere
- Shoppers wanting the lowest entry price, where €25 is lower
- Anyone needing claim handling outside online, phone and post
- Buyers looking for a savings platform, since Linxea covers that instead
kautel Mietkaution
Who it suits
- Private tenants in Germany who would rather not block a deposit in savings.
- New tenants whose deposit is larger than the cash they can spare, since cover reaches Up to EUR 15,000 for the private rent deposit guarantee
- People who prefer to settle a tenancy cost over the months rather than at signing.
Who should look elsewhere
- Anyone after life cover: Linxea sells life policies, a different product from a rent deposit guarantee.
- Tenants who want travel, car or gadget cover: EuroAsia Insurance lists auto, home and travel, none of which is a tenancy deposit.
- Borrowers rather than tenants: Oney Préstamos ES pairs health, life and gadget cover with its credit business.
Country by country
| Country | ERGO Group | kautel Mietkaution |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| China | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
| France | Yes | No |
| Greece | Yes | No |
8 of 23 countries where either is available.
Questions about each
ERGO Group
What does the cheapest ERGO Group cover cost?+
Premiums start at €20.65 for the entry-level product. That sits above the €25 and €0 starting points, so ERGO Group is not the cheapest way into cover.
Can ERGO Group cover be paid monthly?+
Monthly payments are available, so premiums can be spread across the year rather than paid in one sum. This suits households with steady monthly income who prefer a predictable outgoing payment.
kautel Mietkaution
What is kautel Mietkaution?+
It is a rent deposit guarantee for private tenants, so a landlord can accept the guarantee in place of the cash. broker records kautel as a broker, and the cover offered reaches Up to EUR 15,000 for the private rent deposit guarantee. The deposit sum can stay in your savings while the tenancy is signed.
What does the rent deposit guarantee cost?+
Because kautel Mietkaution is a broker (broker), the premium is set on your own tenancy rather than on a public list price. As a guide, starting premiums across the site's insurance listings sit at €2.92, with the middle of the range at €8.31.
Other options to compare
Other matchups
kautel Mietkaution
ERGO Group