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kautionsfrei.de review

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

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Our verdict

kautionsfrei.de suits tenants in Germany who want a rental deposit covered without a large upfront sum, with monthly payments available and cover up to 50,000 EUR. It is a broker, so the insurer named in the policy sets the terms and the payout, which is the part to read closely before signing.

Key facts

Best for
German tenants who want a monthly premium instead of a large deposit up front.
Premium from
€4.17↗
Insurance types
Renters↗
Provider type
Broker↗
Monthly payments
Yes↗
Cover limit
50,000 EUR↗
Claims channels
Email, Fax, Post↗
Age range
18+↗
Legal entity
plusForta GmbH (Amtsgericht Dusseldorf, HRB B 60806)↗
Headquarters
Germany↗
Founded
2009↗
Support channels
Phone, Chat, Email, Help-centre↗
Pricing model
Monthly
Official website
kautionsfrei.de

Facts checked September 26, 2026, 3 sources

Pros and cons

Pros

  • Premiums of €4.17 with monthly payments available, so the cost tracks the tenancy instead of landing in one go.
  • Support runs on phone, chat and email, so phone and chat sit alongside email and a help centre.
  • Cover reaches 50,000 EUR, which is the figure to match against a rental deposit.
  • Registered as an insurance broker in the Vermittlerregister (DIHK) of IHK zu Dusseldorf, entry D-A1J2-H3P80-48.

Cons

  • Claims run on email, fax and post only, a narrower set than the support channels.
  • kautionsfrei.de is a broker, so the policy and its terms sit with a provider rather than with the site (broker).
  • The starting premium ranks 84 of 251 brands, so cheaper entry points sit elsewhere on the list.
kautionsfrei.de

Ready to try kautionsfrei.de?

Scored 9.0 / 10 by SumCue.

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Who it suits

  • Tenants in Germany who want a landlord deposit covered without a large upfront payment.
  • People on a shorter tenancy who would rather spread the premium than pay a lump sum.
  • Readers comfortable with a broker placing the cover and wanting a registration they can look up.

Who should look elsewhere

  • Anyone looking for cover beyond a rental deposit, since renters lists tenant cover only.
  • Readers after a longer-running savings product, where the alternative Linxea starts at €25 against a monthly premium here.
  • People who want an everyday account instead of a deposit policy, with bunq and bunq Spain listed at a starting premium of €0.

Deposit protection

kautionsfrei.de is a broker rather than the insurer, so the policy you take out sits with a provider and its terms decide what a claim pays out. The broker side is registered in the Vermittlerregister (DIHK) of IHK zu Dusseldorf as an insurance broker, entry D-A1J2-H3P80-48. Check which insurer the policy names before you sign.

The company behind it

The service is run by plusForta GmbH (Amtsgericht Dusseldorf, HRB B 60806), a German broker based in Germany and trading since 2009. Support runs on phone, chat and email, so you can reach the team by phone, chat, email or the help centre. Its broker authorisation is registered with the Vermittlerregister (DIHK) of IHK zu Dusseldorf.

How kautionsfrei.de compares

Where kautionsfrei.de is available

Available
Germany
Licence in Germany
IHK zu Duesseldorf / Vermittlerregister (DIHK), authorisation under § 34d Abs. 1 GewO as insurance broker (D-A1J2-H3P80-48), checked September 26, 2026

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

Frequently asked questions

What does kautionsfrei.de cover?+

It is tenant cover for a rental deposit, listed under renters, with a cover limit of 50,000 EUR. Check that limit against the deposit stated in your tenancy agreement, since the policy is priced around the deposit rather than around the value of the flat.

How much will it cost me?+

Premiums start at €4.17 for tenant cover, and monthly payments are available so the cost is spread over the tenancy. On this site the starting premium ranks 84 of 251 brands, which places it at the cheaper end of the field.

Is kautionsfrei.de a licensed provider?+

It is a broker rather than an insurer. Its registration sits in the Vermittlerregister (DIHK) of IHK zu Dusseldorf as an insurance broker, with the entry recorded as D-A1J2-H3P80-48. Since a broker places cover with a provider, the insurer named in the policy carries the risk and sets the terms.

How do I make a claim?+

Claims run on email, fax and post, so a claim can be reported by email, by fax or by post. That is a written trail rather than a live call, so it is worth putting the deposit amount and the landlord's demand in the first message.

Can I pay monthly?+

Monthly payments are available, and the monthly billing model keeps the outflow small in the first months of a tenancy. With a cover limit of 50,000 EUR, the monthly figure is the part to check against the deposit your landlord asks for.

How do I get help?+

Support runs on phone, chat and email, so phone and chat sit alongside email and a help centre. Questions about a policy can go through any of them, though claims follow a separate path and run on email, fax and post.

Who runs the site?+

The service is run by plusForta GmbH (Amtsgericht Dusseldorf, HRB B 60806), a German company based in Germany that has been trading since 2009. It is a broker, so the site handles the placement of the cover while the insurer named in the policy carries it.

Who is it for?+

Adults renting in Germany, a single market. The entry age is listed as 18+, and monthly payments are available, so a tenant who would rather not hand over a large deposit up front gets cover billed in instalments instead.

How does it rate on this site?+

Its overall score here is 7.1, with the cost part at 7.1, so the price reads as solid rather than standout. The rent deposit cover sits well below the entry price of €25 shown by the savings alternative.

Sources

  • kautionsfrei.de checked September 26, 2026

    Backs: Age range, Founded, Premium from, Support channels

    “kautionsfrei.de gibt es bereits seit 2009”

  • kautionsfrei.de/haeufige-fragen checked September 26, 2026

    Backs: Claims channels, Cover limit, Insurance types, Pricing model, Monthly payments

  • kautionsfrei.de/impressum checked September 26, 2026

    Backs: Provider type, Headquarters, Legal entity, Licences

    “plusForta GmbH, Talstraße 24, 40217 Duesseldorf, Deutschland”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Related by the facts

kautionsfrei.de

kautionsfrei.de

German tenants who want a monthly premium instead of a large deposit up front.

9.0/10See alternatives