GEV Grundeigentümer Versicherung review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
GEV Grundeigentümer Versicherung writes its own buildings, contents and landlord policies, with premiums from €4.85 and monthly payments on offer. It suits German property owners who want cover direct from an insurer founded in 1891 rather than a broker.
Key facts
- Best for
- German homeowners and landlords who want property cover priced from a low starting premium
- Premium from
- €4.85↗
- Insurance types
- Home, Renters, Landlord↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Excess from
- €250↗
- Claims channels
- Phone, Online form↗
- Legal entity
- Grundeigentümer-Versicherung, Versicherungsverein auf Gegenseitigkeit (VVaG)↗
- Headquarters
- Germany↗
- Founded
- 1891↗
- Support channels
- Email, Phone, Help-centre↗
- Audience
- Seniors
- Pricing model
- Monthly
- Official website
- gev-versicherung.de
Facts checked September 26, 2026, 6 sources
Apps and profiles
Pros and cons
Pros
- Buildings cover starts at €4.85, below the €8.54 median for home insurance
- Monthly payments are available, so the premium does not have to be settled up front
- Cover spans home, renters and landlord policies for the same property
- Claims can be reported through phone and online form
Cons
- The excess starts at €250 on buildings cover, so small claims pay out little
- Under the monthly model the premium can move during the term
Who it suits
- Homeowners in Germany who want buildings and contents cover straight from an insurer
- Landlords who need landlord cover for the same property
- Older property owners, the seniors the provider writes for
Who should look elsewhere
- Buyers who want a German bank account alongside the policy: bunq starts at €0
- People without a German property, since the insurer is based in Germany and supervised there
Deposit protection
GEV Grundeigentümer Versicherung is an insurer rather than a bank, so there is no deposit balance sitting with a lender and nothing to protect from a bank failure. The legal entity is Grundeigentümer-Versicherung, Versicherungsverein auf Gegenseitigkeit, a mutual owned by its members rather than shareholders. Claims are met from underwriting and premium income, and the policy terms set the excess that applies to each claim.
The company behind it
GEV Grundeigentümer Versicherung has been underwriting since 1891 and is based in Germany. The legal entity is Grundeigentümer-Versicherung, Versicherungsverein auf Gegenseitigkeit, so policyholders hold the company rather than outside owners taking the profit. Questions go through email, phone and help centre, and building cover is written directly by the insurer instead of through a broker.
How GEV Grundeigentümer Versicherung compares
9.2 vs 8.6
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 9.0
9.2 vs 8.7
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.7A savings platform rather than property cover, but it starts at €25 and holds cash that owners can set aside for an excess of €250 on a buildings claim.
9.2 vs 9.0
9.2 vs 8.8A bank rather than an insurer, and its entry point is €0, so it pairs with GEV for people who want a German account alongside a landlord or home policy.
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 9.0
9.2 vs 8.3
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.6
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 8.3
9.2 vs 8.2- 9.2 vs 8.0
Where GEV Grundeigentümer Versicherung is available
- Available
- Germany
- Licence in Germany
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much is the cheapest premium?+
Buildings cover starts at €4.85, which sits under the €8.54 median across home insurance listings. That entry figure is the floor, not the quote for a specific property, since the premium follows the size and condition of what is insured.
What is the minimum excess?+
The excess on residential buildings cover starts at €250, and that part of any claim stays with you. Claims below the figure rarely justify the paperwork, so the value matters most for smaller losses such as storm or water damage.
Can I pay monthly instead of yearly?+
Yes, monthly payments are available on buildings cover, alongside a single payment option. Paying monthly spreads the cost rather than reducing it, and the monthly model means the premium can still change over the term.
What kinds of insurance are offered?+
Three cover types are listed: home for the building and its contents, renters for contents alone, and landlord for property that is let out. Landlords often hold landlord cover alongside buildings cover, while tenants take renters cover for the furniture and possessions they own.
Is the insurer regulated?+
Yes. It is supervised by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) in Germany, the country where it is headquartered. Supervision covers the insurer's technical provisions and reporting, which matters for policyholders because claims are paid from the insurer's own assets.
How are claims made?+
Claims go in through phone and online form, which covers phone and an online form. General questions are handled over email, phone and help centre, including email, phone and a help centre, so policy documents and cover details can be requested there too.
Who is the insurer aimed at?+
The stated audience is seniors, so the guidance is written for older property owners. That focus runs through the material rather than the pricing, and the same buildings and landlord products apply to any German property owner who qualifies.
Is GEV a broker or an insurer?+
It is an insurer, and the legal entity is Grundeigentümer-Versicherung, Versicherungsverein auf Gegenseitigkeit, a mutual that writes the policy itself. Operating since 1891, the company takes on the risk directly, so quotes come from the provider rather than from a comparison service.
Sources
- gev-versicherung.de checked September 26, 2026
Backs: Insurance types
- gev-versicherung.de/informationen/faq checked September 26, 2026
Backs: Audience, Claims channels, Support channels
- gev-versicherung.de/informationen/impressum checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
- gev-versicherung.de/unternehmen checked September 26, 2026
Backs: Provider type, Founded
- gev-versicherung.de/versicherungen/wohngebaeudeversicherung checked September 26, 2026
Backs: Pricing model, Monthly payments, Premium from
- gev-versicherung.de/versicherungen/wohngebaeudeversicheru... checked September 26, 2026
Backs: Excess from
“Photovoltaik-Zusatzschutz (mit 250 € SB)”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
GEV Grundeigentümer Versicherung
German homeowners and landlords who want property cover priced from a low starting premium