Baloise Mietkaution review 2026

Baloise (now part of the Helvetia Baloise group, purchase via helvetia.de) charges 4.3% of the deposit amount per year, at least €39.00 (as of 10/2026). On a standard deposit of €900, the minimum premium of €39 therefore applies – €1.20 a year more than at DepositDirect. Pricing is transparent, but there are no discount tiers for high deposit amounts. For deposits over €2,000 (e.g. in major cities such as Munich or Hamburg), the price difference from DepositDirect can become more noticeable. Positive: no set-up fee and no hidden costs. Billing is annually in advance. Scoring (24/30): Fair price with the trust bonus of a renowned Swiss insurer. A slight deduction compared with DepositDirect because of the slightly higher price without additional benefits.

Purchase at Baloise is online and well structured. However, the process is not as instant as at DepositDirect or heysafe: the check generally takes up to 24 hours before approval is given and the guarantee certificate is delivered. The certificate is delivered both digitally by email and by post – an advantage for landlords who prefer a physical original. Many older landlords still insist on a postal document. The credit check is carried out discreetly and has no effect on your Schufa score (German credit score) (just an enquiry, no entry). Scoring (14/20): Good digital process with the bonus of a postal certificate. Deduction for the longer processing time of up to 24 hours compared with instant providers.

The special feature of the Baloise rent deposit guarantee is the 4-week objection period when the landlord demands the deposit. This means: if the landlord demands the deposit after you move out (for example because of alleged damage), you have 4 weeks to examine the claim and, where appropriate, lodge an objection. This objection period is a considerable advantage over providers such as DepositDirect, where the landlord can draw on the guarantee directly. It protects against unjustified claims and gives time for an objective review. However, Baloise does not offer full tenant protection with legal advice like kautionsfrei.de. The objection period is a good compromise between a pure guarantee and full legal protection. Scoring (16/20): The 4-week objection period is a strong differentiator. Deduction for the missing full tenant protection with legal advice.

The guarantee can be cancelled at any time as soon as the landlord returns the original certificate. There is no minimum term and no notice period. Handling is uncomplicated and runs through customer service. Positive: even if the landlord changes (e.g. when the flat is sold), the guarantee remains in place and is transferred to the new landlord. That saves taking out a new one. Flexibility is on the level of DepositDirect and heysafe – all three offer cancellation at any time with no deadlines. Scoring (15/18): Flexible cancellation with no minimum term. A small deduction for the somewhat more involved process of returning the certificate by post.

Baloise offers professional customer service by telephone and email – a clear advantage over pure online providers such as DepositDirect. Telephone availability is ensured during normal business hours, and the staff are competent and friendly. As a Swiss insurer with a long tradition and more than 160 years of experience, the Baloise name stands for respectability and reliability. The company is financially sound and has excellent ratings. The website is informative and gives a good overview of the services. A customer account for online management of the guarantee is available. Scoring (9/12): Solid service with the plus of telephone support. The Baloise brand creates trust. Deduction for the missing chat function and limited online self-service options.