When renting a home, it’s natural to have questions about the options that ensure peace of mind for both you and the landlord. This guide answers the most frequently asked questions about tenant guarantee insurance, a solution designed to protect you while giving your landlord confidence.
What is tenant guarantee insurance, and how does it work?
Tenant guarantee insurance is a policy you take out as a tenant. It acts as a guarantor for the landlord: if you’re unable to pay the rent or certain essential utilities due to an unforeseen event, the insurance company steps in and covers these payments. This means you don’t need a personal guarantor or large deposits.
Why might I be interested as a tenant?
It makes it easier to secure the home you want, helps you stand out as a reliable tenant, and removes complicated procedures and requirements. Plus, it offers exclusive coverage for you in case of unemployment, temporary disability, hospitalisation or accidental death.
How much does it cost, and how do I pay?
The tenant guarantee insurance costs 5.4% of the annual rent, payable in 12 monthly instalments by bank card. It’s convenient, allowing you to spread the cost without any large upfront payments.
Does the cover only benefit the owner?
Since June 2025, this insurance also protects tenants. If you lose your job (with a permanent contract), suffer temporary disability (as a self-employed worker or civil servant), are hospitalised or die in an accident, the insurance company will cover your rent – up to €2,000 per month for seven months – or provide the corresponding compensation. This protection applies to both tenants and landlords.
What conditions must I meet to take it out?
Generally, you complete a simple online pre-qualification, where your creditworthiness is assessed based on the rent and your monthly income. If you meet the criteria, you’ll receive a certificate to present to the agency or landlord.
Will they ask me for a lot of paperwork to take it out?
No – taking out cover is quick and fully digital. You won’t need to send payslips or bank statements to third parties. The insurance company verifies your solvency through an online review, ensuring both speed and privacy.
What happens if I move to a new flat or house?
The guarantee certificate is valid for any home with rent within the insurance company’s approved limit and remains valid for 30 days from issuance. If you move, you can easily request a new certificate online.
Do I have to make any additional deposit or guarantee?
No – tenant guarantee insurance replaces traditional guarantees and deposits, giving you easier access to rental properties and simplifying the process.
What other benefits does tenant guarantee insurance have?
Beyond unpaid rent, the insurance covers outstanding water, electricity and gas bills (up to 5% of the annual rent) and provides legal support for claims or eviction proceedings.
How long am I covered?
The insurance remains valid for the full term of your lease – up to five years for private owners and up to seven years for corporate owners.
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