Deutsche Kautionskasse
Deutsche Kautionskasse AG is a German Assekuradeur founded in 2008 that underwrites Moneyfix® Mietkaution, a digital rental deposit guarantee product replacing cash security deposits for private and commercial tenants, backed by Allianz and ERGO and accepted by major German housing companies.
- Company typePrivate
- Founded2008
- HeadquartersStarnberg, Germany
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Deutsche Kautionskasse does
Deutsche Kautionskasse AG, founded in 2008 and headquartered in Starnberg, Bavaria, is a privately held insurance intermediary (Assekuradeur) that underwrites and distributes Moneyfix® Mietkaution, a rental deposit guarantee product that replaces traditional cash security deposits for residential and commercial leases in Germany. Instead of depositing up to three months of net cold rent with a landlord, tenants pay an annual insurance premium (starting at €66 for private customers and a €150 minimum for commercial customers) and receive a Bürgschaftsurkunde (guarantee certificate) backed by Allianz Versicherungs-AG and ERGO. The company operates a fully digital self-serve platform that delivers instant approval upon contract completion and ships the embossed guarantee certificate within 24 hours.
The technology stack is built around an online application portal, electronic document management, real-time certificate issuance, and a calculator-based pricing engine tied to net cold rent. A sales partner program adds Versicherungsvermittler and Tippgeber (referral) channels, while distribution is anchored on acceptance relationships with over 4 million rental properties through major German housing companies (Vivawest, LEG Immobilien, Deutsche Wohnen, Gewoba, TAG Wohnen, Dawonia, Covivio) and the GdW industry association. The company offers three product modules: Moneyfix® Mietkaution for private tenants, Moneyfix® Mietkaution Gewerbe for commercial tenants (with Creditreform-based credit assessment and tax-deductible contributions), and a landlord-facing Moneyfix® Mietkaution Vermieter service.
Revenue is generated entirely through recurring annual premiums on the insurance portfolio, with the company retaining a share of premium as Assekuradeur while Allianz and ERGO carry the underlying guarantee risk. The go-to-market combines direct-to-consumer digital self-serve (tenants apply online in minutes) with B2B2C distribution via property management partners who accept or recommend Moneyfix to their tenant base. The company is led by a Vorstand (executive board) including Christian Sili (Spokesperson), Dieter Burghaus (CFO), Benjamin Rösch (CIO/CTO), and Heiko Franz, and has earned multiple consecutive third-party awards for product quality, fairness, digital strategy, and customer satisfaction.
Deutsche Kautionskasse firmographics
Firmographics- Name
- Deutsche Kautionskasse
- Legal name
- Deutsche Kautionskasse AG
- Website
- https://kautionskasse.de
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Deutsche Kautionskasse AG is a German Assekuradeur founded in 2008 that underwrites Moneyfix® Mietkaution, a digital rental deposit guarantee product replacing cash security deposits for private and commercial tenants, backed by Allianz and ERGO and accepted by major German housing companies.
- Ownership category
- akta.pro rank
Deutsche Kautionskasse industry classification
Industry- Product category
- Rental Deposit Insurance
- NAICS
- Insurance Carriers and Related Activities (524)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Notary / Bail / Miscellaneous Consumer Bonds (FSAJAIAK)
- akta.pro secondary industry
- Renters Insurance (FSAJACAB)
Keywords
Where Deutsche Kautionskasse is headquartered
LocationHeadquarters
- HQ city
- Starnberg
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Deutsche Kautionskasse business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Mietkautionsversicherung (Rental Deposit Insurance): Deutsche Kautionskasse generates revenue through annual insurance premiums paid by tenants for rental deposit guarantees. Tenants pay a yearly fee (e.g., €66 for private customers, minimum €150 for commercial) instead of depositing 3 months' rent. The company acts as an Assekuradeur, managing underwriting, contract administration, and claims processing in partnership with insurance companies Allianz and ERGO.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Private Customers - Basic tier starting at €66/year |
| Subscription | Annual | Commercial Customers - Minimum €150/year |
| Unit Pricing | Annual | Calculator-based pricing |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Deutsche Kautionskasse product offering
Product offeringCore offering
Deutsche Kautionskasse AG issues and administers the Moneyfix® Mietkaution rental deposit guarantee, a German insurance product that replaces traditional cash rental deposits (typically up to three months' net cold rent) with an annual insurance premium. Tenants apply online, receive an instant policy decision, and present a physical guarantee certificate (Bürgschaftsurkunde) backed by Allianz or ERGO to their landlord as security. The portfolio covers private tenants, commercial tenants, and a landlord-facing acceptance and claims service.
Product overview
Deutsche Kautionskasse offers a unified product portfolio centered on the Moneyfix® Mietkaution brand, which provides rental deposit guarantee insurance as a digital alternative to traditional cash deposits. The portfolio consists of three core offerings: Moneyfix® Mietkaution for private residential tenants, Moneyfix® Mietkaution Gewerbe for commercial tenants and businesses, and the landlord-facing service component for Vermieter. The products work together as an end-to-end solution where tenants pay annual premiums instead of large upfront deposits, landlords receive guaranteed security via Allianz-backed on-demand bonds, and the company handles underwriting, contract administration, and claims processing fully digitally.
Differentiator
Problem solved
Functional benefit
Brands
- Moneyfix® Mietkaution: The company's primary rental deposit insurance product for private residential tenants, offering a cashless alternative to traditional security deposits by providing a surety bond for landlords.
- Moneyfix® Mietkaution Gewerbe
Products and services
- Moneyfix® Mietkaution (Private Tenants) Rental deposit guarantee (Mietkautionsbürgschaft) for private residential tenants in Germany that replaces a traditional cash deposit of up to three months' net cold rent with an annual insurance premium (starting at €66/year). Tenants apply fully online, receive instant approval, and present a physical Bürgschaftsurkunde backed by Allianz or ERGO to their landlord as legally compliant security.
- Moneyfix® Mietkaution Gewerbe (Commercial Tenants) Commercial rental deposit guarantee for businesses, freelancers, and companies renting office, warehouse, retail, or industrial space in Germany. Replaces large commercial cash deposits with an annual insurance premium (minimum €150/year) to preserve liquidity and protect credit lines, with tax-deductible contributions and Creditreform-based business credit checks.
- Moneyfix® Mietkaution Vermieter (Landlord Service) Landlord-facing service for property owners and housing companies to accept the Moneyfix rental deposit insurance certificate (Bürgschaftsurkunde) in lieu of a classic deposit account. Provides legally compliant handling of tenant security, on-demand guarantee backed by Allianz Versicherungs-AG, reduced administrative burden, and accelerated claims processing with 14-day payment after documentation is received.
Quantifiable outcome
- Example: €1,434 deposit saved with only €66 annual contribution
- +2 more outcomes
Companies that use Deutsche Kautionskasse
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles3 records
Deutsche Kautionskasse technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Deutsche Kautionskasse partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and major.
- Allianz Versicherungs-AGcorePrimary insurance partner providing the underlying guarantee for the Moneyfix rental deposit insurance. Allianz issues the guarantee certificate (Bürgschaftsurkunde) and covers claims when landlords invoke the guarantee.
- ERGOcoreInsurance partner working with Deutsche Kautionskasse for providing rental deposit guarantees. ERGO provides insurance backing for the guarantee certificates.
- VivawestmajorOne of Germany's largest residential property managers accepting Moneyfix rental deposit insurance for their tenants.
- LEG ImmobilienmajorMajor German residential real estate company accepting Moneyfix as rental deposit solution for tenants.
- Deutsche WohnenmajorLarge German housing company accepting Moneyfix rental deposit insurance as tenant security.
- GdW Bundesverband deutscher Wohnungs- und ImmobilienunternehmenmajorCentral association of German housing and real estate companies; partner representing interests of housing enterprises that accept Moneyfix.
- GewobamajorBremen-based housing company accepting Moneyfix rental deposit insurance.
- TAG WohnenmajorResidential real estate company accepting Moneyfix for their rental properties.
- DawoniamajorReal estate company partner accepting Moneyfix rental deposit insurance.
- CoviviomajorEuropean real estate company accepting Moneyfix as tenant deposit solution.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Deutsche Kautionskasse competitors and assessment
Company assessmentEmerging players
- Creditreform: Germany's largest credit bureau, already partnered with Deutsche Kautionskasse for commercial credit checks. Comparable in serving the tenant underwriting workflow and landlord risk assessment, though not a deposit-insurance issuer itself.
- Bürgel Wirtschaftsinformationen: German credit information provider used in rental/tenant screening. Adjacent participant in the German rental security ecosystem — not a direct competitor for deposit insurance but comparable in serving tenant and landlord due-diligence workflows.
- Hiscox Germany: Specialty/small-commercial insurer active in the German market, including niche surety products. Comparable as a digital-first specialty insurer that could enter or expand the Mietkautionsversicherung niche with similar underwriting economics.
Direct peers
- Kautionsfrei: German rental deposit insurance provider offering Mietkautionsbürgschaften as a cashless alternative to traditional deposits. Closest direct competitor in product mechanics, customer segment (tenants), and underwriting-broker (Assekuradeur) business model.
- EasyKaution: German rental deposit insurance specialist providing Mietkautionsversicherungen for private and commercial tenants. Directly comparable on product (cash deposit replacement), customer (German renters), and distribution (digital self-serve).
Broad incumbents
- ERGO Group: Secondary insurance partner of Deutsche Kautionskasse and one of Germany's largest multi-line insurers. Comparable as a broad insurance incumbent with capacity to issue rental guarantees, though ERGO typically distributes through traditional broker channels rather than digital D2C.
- R+V Versicherung: Major German cooperative insurer offering property and surety products including Bürgschaften. Comparable as a broad incumbent capable of underwriting rental deposit guarantees, with distribution via Volksbanken/Raiffeisenbanken banking network.
- Allianz Versicherungs-AG: Deutsche Kautionskasse's primary capacity provider but also a broad P&C and surety insurer offering Bürgschaften directly. Compares as a large incumbent in the broader German surety/property insurance market that Deutsche Kautionskasse effectively plugs into as a specialized distribution layer.
Others
- Check24 Vergleichsportal: Germany's largest financial product comparison platform. Adjacent ecosystem participant that could distribute deposit insurance products (or already does), representing both a potential distribution channel and a competitive comparison threat for Deutsche Kautionskasse.
Regional players
- Haus & Grund Deutschland: German homeowner and landlord association offering deposit-related services and guidance. Comparable as a regional player in the landlord-side ecosystem, with potential overlap in tenant security advisory but not a direct product competitor.
Market position
Strengths1 record
Competitive moat5 records
Key highlights6 records
Customer concentration
Deutsche Kautionskasse social profiles
Digital presenceDeutsche Kautionskasse financial estimates
Financial estimateRevenue estimate
Valuation estimate
Deutsche Kautionskasse leadership team
Management profileNumber of profiles
Profiles4 records
Deutsche Kautionskasse funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Deutsche Kautionskasse M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Deutsche Kautionskasse
What does Deutsche Kautionskasse do?
Deutsche Kautionskasse AG issues and administers the Moneyfix® Mietkaution rental deposit guarantee, a German insurance product that replaces traditional cash rental deposits (typically up to three months' net cold rent) with an annual insurance premium. Tenants apply online, receive an instant policy decision, and present a physical guarantee certificate (Bürgschaftsurkunde) backed by Allianz or ERGO to their landlord as security. The portfolio covers private tenants, commercial tenants, and a landlord-facing acceptance and claims service.
Is Deutsche Kautionskasse a public or private company?
Deutsche Kautionskasse is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Deutsche Kautionskasse founded?
Deutsche Kautionskasse was founded in 2008. It employs 11 to 50 people.
Where is Deutsche Kautionskasse based?
Deutsche Kautionskasse is headquartered in Starnberg, Germany, in the Europe region.
How does Deutsche Kautionskasse make money?
One revenue line is on record: mietkautionsversicherung (Rental Deposit Insurance).
Who are Deutsche Kautionskasse's main competitors?
Emerging players on record are Creditreform, Bürgel Wirtschaftsinformationen and Hiscox Germany. Direct peers are Kautionsfrei and EasyKaution. Broad incumbents are ERGO Group, R+V Versicherung and Allianz Versicherungs-AG. Check24 Vergleichsportal is listed as an others. Haus & Grund Deutschland is listed as a regional player.
Does Deutsche Kautionskasse have an API?
No public API is recorded for Deutsche Kautionskasse.
What industry is Deutsche Kautionskasse in?
Deutsche Kautionskasse's product category is Rental Deposit Insurance. Its primary akta.pro industry code is FSAJAIAK, Notary / Bail / Miscellaneous Consumer Bonds, with a secondary code of FSAJACAB, Renters Insurance. Its NAICS code is 524 and its SIC code is 6411.