Updated October 17, 2026 · SumCue Editorial Team
HomeServe vs KS/AUXILIA
HomeServe
KS/AUXILIA
Higher score in this comparison
HomeServe vs KS/AUXILIA: the differences
| Compare | HomeServeReviewVisitVisit | KS/AUXILIAReviewVisitVisit |
|---|---|---|
| Premium from | €7 | €5.04Lower |
| Insurance types | Home emergency | Legal expenses, Breakdown |
| Provider type | Broker | Insurer |
| Claims channels | Online, Phone | Online, Phone, Email, ChatCovers more |
Same on both: Monthly payments (Yes), Excess from (€0).
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Key differences
- KS/AUXILIA scores higher overall: 9.4 vs 8.9.
- HomeServe is available in 1 more country.
- Premium from is lower at KS/AUXILIA: €5.04 vs €7.
- Insurance types: only HomeServe offers Home emergency.
- Insurance types: only KS/AUXILIA offers Legal expenses, Breakdown.
- Claims channels: only KS/AUXILIA offers Email, Chat.
Our verdict on each
HomeServe
HomeServe suits households seeking home emergency assistance through a broker model with monthly payments available and support by phone and help centre. Premiums start at €7 with excess of €0 and claims online or by phone via online and phone for added convenience.
KS/AUXILIA
KS/AUXILIA is a dedicated legal protection insurer covering private life, work, traffic, housing and commercial risks. For households, employees, drivers and landlords wanting focused legal cover with broad family inclusion and prevention services, it provides clearly structured modular options for everyday disputes.
Score breakdown
| Area | HomeServe | KS/AUXILIA |
|---|---|---|
| Cost | 9.2Premiums start at €7 with excess of €0 paid monthly. | 9.3Higher |
| Offer | 8.4Cover centres on home emergency with claims via online and phone. | 9.2Higher |
| Trust | 9.0Broker model disclosed as broker with ORIAS registration in France. | 9.5Higher |
Feature by feature
| Insurance types | HomeServe | KS/AUXILIA |
|---|---|---|
| Breakdown | No | Yes |
| Home emergency | Yes | No |
| Legal expenses | No | Yes |
Availability and regulation
| Country | HomeServe | KS/AUXILIA |
|---|---|---|
| France | Not confirmed |
Additional countries for HomeServe: 2. Additional countries for KS/AUXILIA: 1.
Where they rank in our lists
| Ranking | HomeServe | KS/AUXILIA |
|---|---|---|
| Insurance | 10 of 627 | 1 of 627 |
If neither fits
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €7 for HomeServe and €5.04 for KS/AUXILIA.
HanseMerkur Reiseversicherung AT reviewEvery fact side by side
| Fact | HomeServe | KS/AUXILIA |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Founded | Not confirmed | 1964 |
| Support channels | Not confirmed | Email, Chat, Phone |
Where each stands against the rest
| Fact | HomeServe | KS/AUXILIA | Median |
|---|---|---|---|
| Premium from | €7above the median | €5.04below the median | €6.02 |
| Excess from | €0below the median | €0below the median | €70 |
Median across 116 listed providers.
Pros and cons
HomeServe
Pros
- Premiums start at €7 with excess of €0, keeping entry costs clear.
- Monthly payments are available under monthly, helping spread costs across the year.
- Claims can be made via online and phone, with support through phone and help centre.
Cons
- Cover is limited to home emergency, so households wanting wider protection may look elsewhere.
- Support runs on phone and help centre only, without chat or email contact.
- Broker model via broker means cover terms sit with the underlying insurer.
KS/AUXILIA
Pros
- Covers private, occupational, traffic, housing and commercial legal disputes in one portfolio.
- Includes broad family cover across generations plus prevention and contract checking services.
- Offers tailored modules for employees, seniors, officials, landlords and companies.
Cons
- Focuses solely on legal protection, so wider household insurance needs stay elsewhere.
- Modular structure means households must select appropriate areas for private, work or traffic.
Who each suits
HomeServe
Who it suits
- Households wanting home emergency help via home emergency with claims through online and phone.
- Budget planners who value monthly billing with premiums from €7 and excess of €0.
- Phone led customers who value support through phone and help centre.
Who should look elsewhere
- Readers seeking life cover rather than home emergency help may prefer Polizza Vita con Bonus for life.
- Readers seeking travel cover may prefer TravelSecure with premiums from €5.
- Readers seeking car cover may prefer AXA with premiums from £275.
KS/AUXILIA
Who it suits
- Families wanting shared cover across generations
- Employees and officials seeking work related legal protection
- Drivers and landlords needing traffic and property dispute cover
Who should look elsewhere
- Households seeking general cover beyond legal disputes
Country by country
| Country | HomeServe | KS/AUXILIA |
|---|---|---|
| France | Yes | No |
| Germany | No | Yes |
| United Kingdom | Yes | No |
Questions about each
HomeServe
What does HomeServe cover+
HomeServe focuses on home emergency assistance under home emergency. Claims can be started via online and phone, with phone support alongside online routes. Check the policy summary for limits, exclusions and response terms before buying.
How much does cover cost+
Premiums start at €7. Excess is set at €0, which helps keep entry costs predictable. Monthly payments are available, so costs can be spread across the policy term rather than paid in full.
KS/AUXILIA
What areas does KS/AUXILIA cover?+
KS/AUXILIA covers legal disputes linked to private life, employment, traffic, housing and commercial activity. Private cover addresses family disputes and includes prevention services and contract checks. Housing cover extends to homes, land, garages and parking spaces, while commercial cover addresses business related risks.
Who can use tailored options from KS/AUXILIA?+
KS/AUXILIA provides tailored modules for employees, seniors, officials, tenants, owners and landlords. Employee cover addresses non self employed work and agreements ending employment. Senior cover includes age specific support, while landlord cover addresses rented buildings, land and commercial premises.