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kautel Mietkaution review

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

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Our verdict

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.

Key facts

Best for
Private German tenants who want a rent deposit covered without moving the whole sum out of savings.
Insurance types
Renters, Home↗
Provider type
Broker↗
Monthly payments
Yes↗
Cover limit
Up to EUR 15,000 for the private rent deposit guarantee↗
Claims channels
Online form, Email, Phone↗
Age range
18 years and over (applicant must be an adult)↗
Legal entity
cresult GmbH (HRB 111977, Amtsgericht Köln)↗
Headquarters
Germany↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Monthly
Official website
kautel.de

Facts checked September 26, 2026, 4 sources

Pros and cons

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.
  • The product covers renters and home policies, keeping tenancy cover together.

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.

Ready to try kautel Mietkaution?

Scored 8.9 / 10 by SumCue.

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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.

Safety of your money

Kautel does not carry the risk itself: broker records it as a broker, so the guarantee itself sits with an insurer. A broker places that cover on your behalf rather than writing it, which is why the identity of the insurer matters. Its permission to arrange insurance is registered with the IHK Köln as D-OJ67-SB118-38.

Who runs it

Behind the product sits cresult GmbH (HRB 111977, Amtsgericht Köln), a registered German company, with the operation based in Germany. Support runs on email, phone and help centre, so questions go by email, by phone or through the help centre rather than through a chat window. The broker registration is listed with the IHK Köln as D-OJ67-SB118-38, so the authorisation is on record.

How kautel Mietkaution compares

Where kautel Mietkaution is available

Available
Germany
Licence in Germany
IHK Köln (insurance broker authorisation under § 34d Abs. 1 GewO) (D-OJ67-SB118-38), checked September 26, 2026

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

Frequently asked questions

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.

Can I pay monthly?+

Yes. The guarantee is arranged on a monthly model (monthly), and monthly payments are available. Paying this way spreads the cost of the cover, which reaches Up to EUR 15,000 for the private rent deposit guarantee, across the months of the tenancy instead of asking for the whole premium at the start.

Who is behind the cover?+

kautel Mietkaution does not hold the risk itself. broker describes it as a broker, so the guarantee is written by an insurer rather than by the brand. The broker authorisation is registered with the IHK Köln as D-OJ67-SB118-38, which tells you who is arranging that insurer for you.

Who can apply?+

Eligibility is narrow at the start: 18 years and over (applicant must be an adult). That rules out any applicant who is not yet an adult, so a guarantee for a younger tenant is not an option here. Check that age condition before you start, since the rest of the paperwork follows your tenancy agreement.

How do I report damage?+

Claims go in through online form, email and phone, so an online form, an email or a phone call will all do. For questions that come up before a claim starts, support runs on email, phone and help centre, which covers email, phone and a help centre. That gives you a direct route and a written one.

Which market is this for?+

The operation is German: DE is the home country, and the legal entity behind the product is cresult GmbH (HRB 111977, Amtsgericht Köln). A rent deposit guarantee of this kind is aimed at private tenants signing a German tenancy, so someone renting outside Germany would be looking at a product that does not apply to their situation.

What kinds of cover are offered?+

The product covers a narrow set of areas: renters and home. That is renters and home cover, both tied to a tenancy rather than to a vehicle or a health need. It is smaller than a general book such as auto, home and travel, so it is worth a look only if a deposit is your concern.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from.

kautel Mietkaution

Private German tenants who want a rent deposit covered without moving the whole sum out of savings.

8.9/10Visit