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INZMO review

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

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Our verdict

INZMO suits anyone insuring a phone, a rented flat or a landlord property, with cover starting at €1.99 a month and a monthly bill. It is a broker, not an insurer, so the cover itself sits with an underwriter rather than INZMO.

Key facts

Best for
Small, high value belongings and rental cover paid month by month.
Premium from
€1.99↗
Insurance types
Gadget, Renters, Landlord↗
Provider type
Broker↗
Monthly payments
Yes↗
Claims channels
Online self-service portal, Mobile app, Email, Chat↗
Legal entity
INZMO Europe GmbH↗
Headquarters
Germany↗
Founded
2017↗
Support channels
Email, Phone, Chat↗
Pricing model
Monthly
Official website
inzmo.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
LinkedInXfacebook.cominstagram.com

Pros and cons

Pros

  • Entry cover starts at €1.99 a month.
  • The policy runs monthly, so cover does not need a long commitment.
  • Gadget, renters and landlord cover sit in one range, gadget, renters and landlord.
  • Claims can start through online self service portal, mobile app and email.

Cons

  • INZMO is a broker, broker, so the cover is underwritten by someone else.
  • The range stays narrow at gadget, renters and landlord, with no health, life or travel lines.
  • Support runs on email, phone and chat only, so there is no postal route for documents.
INZMO

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Renters who want contents cover billed monthly rather than yearly.
  • Anyone holding a costly phone, laptop or other gadget worth replacing.
  • Landlords who need a simple policy for a let property.

Who should look elsewhere

  • buyers looking for savings and cover in one product, as Linxea offers.
  • people who want a bank account with the policy attached, as bunq provides.
  • anyone after health, life or travel cover, which is outside the range.

Who runs it

INZMO is a broker, run by INZMO Europe GmbH, registered in Germany and founded in 2017. Because it brokers rather than underwrites, the policy itself comes from an insurer rather than from INZMO. Queries go to the team on email, phone and chat, so email, phone and live chat are all open, and the contact details sit in the German legal notice.

How INZMO compares

Where INZMO is available

Available
Germany

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

Frequently asked questions

What does INZMO actually cover?+

INZMO is a broker, which means the policy sits with an insurer while INZMO handles the sale. The range is gadget, renters and landlord, so cover is aimed at gadgets, renters and landlords rather than at cars or health. A rental deposit or a single valuable device fits that list well.

How much does INZMO cost a month?+

Entry cover starts at €1.99 a month, which sits under the €7.95 median premium in the insurance comparison. That is the starting price for the smallest cover, not a price for every product. The range runs through gadget, renters and landlord policies, and each one is quoted on its own terms.

Can I pay monthly instead of yearly?+

Monthly payments are available, and the policy is sold on a monthly model, so the cover runs a month at a time. That suits renters who move often and gadget owners who upgrade often. A monthly bill also keeps the cost visible instead of hiding it in a yearly payment.

How do I make a claim?+

Claims run through online self service portal, mobile app and email, so a report can start in the mobile app, in the online self service portal, by email or in live chat. The app is the quickest route if a phone is damaged. For renters and landlord claims, the same channels handle the report.

Is INZMO an insurer or a broker?+

INZMO is a broker, broker, rather than an insurer. It finds the cover and handles the sale while an insurer carries the risk. That matters for anyone who wants to see the insurer named on the policy document.

How do I reach support after buying?+

Support runs on email, phone and chat, so email, phone and live chat are all available. Phone is there for questions that need a conversation, and chat for quick answers between the app. There is no counter service, so anything that needs paperwork goes by email.

Which markets does INZMO serve?+

The company is registered in Germany as INZMO Europe GmbH, and the products listed are gadget, renters and landlord cover. Nothing in the range points at travel or motor cover, so a traveller needs a different provider. Anyone outside the European market should check the terms before buying.

Sources

  • inzmo.com checked September 26, 2026

    Backs: Founded, Insurance types

    “Since 2017, we've been bringing innovation to our customers to make insurance easy to understand and accessible for everyone.”

  • inzmo.com/deu/en/buy-mobile-insurance checked September 26, 2026

    Backs: Claims channels, Pricing model, Monthly payments, Premium from

    “You can easily submit a claim by going to self-service.inzmo.com ... Alternatively, you can also use the INZMO app to report the damage.”

  • inzmo.com/deu/en/contact checked September 26, 2026

    Backs: Support channels

    “Whether it's phone, email or chat, let us know what we can help you with today!”

  • inzmo.com/deu/en/inzmo-impressum checked September 26, 2026

    Backs: Headquarters, Legal entity

    “Address - Kurfürstendamm 96, 10709 Berlin, Germany”

  • inzmo.com/deu/en/rental-deposit-de checked September 26, 2026

    Backs: Provider type

    “INZMO distributes the rental deposit policy from Baloise, a strong partner with over 150 years of experience.”

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

Related by the facts

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Small, high value belongings and rental cover paid month by month.

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