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helden.de review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

helden.de suits German households and small businesses wanting home, contents and pet cover placed through a single broker, with premiums from €3.52. Monthly payments and a free switching service ease the move, though the cover itself sits with partner insurers rather than with helden.de itself.

Key facts

Best for
German households and small businesses wanting home, contents and pet cover from a single broker.
Premium from
€3.52↗
Insurance types
Home, Pet↗
Provider type
Broker↗
Monthly payments
Yes↗
Excess from
€150↗
Cover limit
Up to 50 million EUR sum insured (Privathaftpflicht)↗
Claims channels
Online claim form, Email, Phone, App↗
Legal entity
helden.de GmbH↗
Headquarters
Germany↗
Founded
2015↗
Support channels
Email, Phone, Help-centre, Chat, Community↗
Audience
Business
Pricing model
Monthly
Official website
helden.de

Credit cards

Perks
Helden Code referral discount equal to 1/12 (one monthly premium) off the annual premium, Free switching service: helden.de cancels the previous insurer at no extra cost, Best-Schutz guarantee package (Top-Schutz, Besitzstands, Lueckenlos, Innovations) included at no extra cost, 24/7 Schutzbrief emergency service for key, tradesman, moving and hotel services↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
LinkedInprovenexpert.com

Pros and cons

Pros

  • Premiums start at €3.52, under the site median of €8.31
  • Registered in the Versicherungsvermittlerregister with Handelskammer Hamburg, licence D-8CPR-CYNFZ-14
  • A free switching service cancels the old insurer at no extra cost.
  • Claims can be filed by online form, email, phone or app per online claim form, email and phone

Cons

  • An excess of €150 applies on the private liability cover, so small claims cost you money
  • Car and travel cover are not among its insurance types, which list home and pet (home and pet)
  • broker is a broker, so the policy sits with a partner insurer rather than with helden.de
helden.de

Ready to try helden.de?

Scored 8.9 / 10 by SumCue.

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Who it suits

  • Renters and homeowners in Germany covering contents, private liability and pets
  • Small businesses that need a broker to place cover and handle the switch
  • Anyone who prefers monthly premiums over a single annual payment

Who should look elsewhere

  • Anyone wanting a single insurer with its own claims team, since broker is a broker
  • Drivers looking for car cover, as home and pet lists home and pet only
  • Shoppers in markets outside Germany, since the register entry with Handelskammer Hamburg covers DE

How helden.de compares

Where helden.de is available

Available
Germany
Licence in Germany
Handelskammer Hamburg (German insurance intermediary register, Versicherungsvermittlerregister) (D-8CPR-CYNFZ-14), checked September 26, 2026

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

Frequently asked questions

How much does cover cost on helden.de?+

Premiums start at €3.52, which sits below the site median of €8.31. The figure is a starting point for the smallest policy, so a household with contents and pet cover will pay more. Most plans are set up on monthly payments.

Is helden.de an insurer or a broker?+

It is a broker, as broker shows, so policies are placed with partner insurers and the cover sits with them. That matters if you want to know who pays a claim. The legal entity behind the site is helden.de GmbH, based in Germany.

What does the private liability cover include?+

The private liability product carries Up to 50 million EUR sum insured (Privathaftpflicht) of sum insured. Claims on it start at an excess of €150, so the smallest claims are yours to pay. A high cover limit and a small excess is the balance to weigh.

How do I make a claim?+

Claims go in through online claim form, email and phone: an online claim form, email, phone or the app. The wider support setup in email, phone and help centre adds a help centre, chat and a community, so questions can be asked before a loss happens too.

Does helden.de take over my old policy?+

Yes, a free switching service cancels the previous insurer at no extra cost, listed in Helden Code referral discount equal to 1/12 (one monthly premium) off the annual premium, Free switching service: helden.de cancels the previous insurer at no extra cost and Best Schutz guarantee package (Top Schutz, Besitzstands, Lueckenlos, Innovations) included at no extra cost. It also includes a Best-Schutz guarantee package at no extra cost and a round-the-clock emergency service for keys, tradesmen, moving and hotels.

Which kinds of insurance can I buy?+

The home and pet list covers home and pet products, alongside private liability on the product pages. Car, travel and life cover sit outside that range. Anyone needing a broader set of policies will have to place those separately.

Who is helden.de set up to serve?+

The stated audience is business, so small businesses sit alongside private households. The company was founded in 2015 and is based in Germany, with an intermediary register entry in Germany. Anyone outside Germany should check the terms for their own market.

Sources

  • helden.de checked September 26, 2026

    Backs: Audience, Insurance types, Pricing model, Premium from

    “Gewerbliche Drohnenhaftpflicht Schützt deine professionellen Drohnenflüge”

  • helden.de/impressum checked September 26, 2026

    Backs: Provider type, Headquarters, Legal entity, Licences

    “The helden.de GmbH is an Assekuradeur and holds permission under section 34d(1) GewO as an insurance representative (Federal Republic of Germany)”

  • helden.de/kontakt checked September 26, 2026

    Backs: Claims channels

    “Schaden melden (report a claim) link, E-Mail schreiben, Telefon / Fax”

  • helden.de/produkte/hausratversicherung checked September 26, 2026

    Backs: Perks

  • helden.de/produkte/privathaftpflicht checked September 26, 2026

    Backs: Cover limit, Excess from, Monthly payments

    “Selbstbeteiligung (je Schadenfall) 150 EUR - excess per claim 150 EUR”

  • helden.de/ueber-uns checked September 26, 2026

    Backs: Founded, Support channels

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

helden.de

helden.de

German households and small businesses wanting home, contents and pet cover from a single broker.

8.9/10See alternatives