Approve more renters while reducing risk

  • Approve and requality more conditionally approved, declined, and non-traditional applicants
  • Increase risk protection up to 12X with lease guarantee, security deposit replacement, renters insurance, and tenant liability waiver solutions
  • Ensure stronger protection with rent coverage for up to the full lease term
  • Get 77% of delinquent renters back on track with the support from our in-house support team
  • Ensure continuous, uninterrupted coverage with our network of 10 A-rated insurance carriers
  • All at no cost to the operator

Speak to our team

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Trusted by real estate leaders

What We Offer

Your key to a more profitable renting operation.

Guarantee Leases

Improve lease conversion and maximize financial protection with the most flexible coverage on the market, all while minimizing bad debt and improving NOI.

Replace Security Deposits

Enhance your protection against damages while offering an affordable security deposit replacement to your residents.

Renters Insurance & Compliance

Reduce liability, save time, and boost revenue with our always-on platform that actively upholds residents’ coverage throughout the lease term.

Learn More

Sample pricing for renters based on risk profile and desired coverage

Low Coverage

2 months of rent coverage
1 month of deposit coverage

  • "Approved" Screening Result
  • Great credit score
  • Steady income stream
  • Looking to rent deposit free

$1,2001 payment

Medium Coverage

6 months of rent coverage
1 month of deposit coverage

  • "Approved w/ Conditions" Screening Result
  • Dip in credit score
  • Irregular income stream
  • Moving for new job

$1,6251 payment

High Coverage

12 months of rent coverage
1 month of deposit coverage

  • "Denied" Screening Result
  • Low or no credit
  • Limited income
  • First time renter

$2,0001 payment

*Sample pricing shown above based on $2,000 monthly rent. Policy pricing varies and is determined by gross rent, the length of coverage, and the individual renter's risk profile.
5
Adding the use of TheGuarantors' lease guarantees and security deposit replacements into our leasing program has helped us qualify more applicants and in turn has helped us fill our vacancies at a faster rate. Claims are processed and received quickly. Their customer service team is professional and prompt with their responses.
5
TheGuarantors has been a crucial partner for achieving desirable lease velocity. After our success in New York, we extended our partnership to South Florida and are continuing with national expansion.
5
Because of TheGuarantors' products and exceptional service, we have been able to continually improve student conversions while exceeding leasing velocity goals and reducing bad debt.
5
Ironstate Properties is very happy with the partnership that we have established with TheGuarantors. Having done business with them for years, we have seen their products roll seamlessly in to new communities that we build and manage for. The manner in which our team’s on site can rely on the expertise that TheGuarantors provide is added benefit and reassurance that we, with their support and backing, are mitigating our risk...I know at Ironstate, our partnership with TheGuarantors will be in place well in to the future.

Frequently Asked Questions

We are a fintech company that offers insurance products that give greater access to renters and stronger protection for landlords. Additionally, we are a licensed insurance agent and broker, and partner with insurance carriers to provide the coverage you need. Learn more about our insurance partners and licensing here.

Rent Coverage is our Lease Guarantee surety product that functions substantially similar to insurance, helping landlords protect their rental income. If, for any reason, the renter is unable to pay their rent, we will cover the loss within the parameters of the policy terms. All you have to do is invite a renter to apply before they sign their lease, select the coverage you’d like (the maximum number of months you’d like to be paid back if there are issues), and if the renter is approved, we’ll issue the bond. Because the renter pays the policy price, there is no cost to the landlord for the coverage to take effect.

Renters pay our policy premiums. There are no fees to the landlord for coverage.

The policy covers the term of the lease, up to 36 months, depending on our approved filings in your state.

When a default happens, submit the information at www.theguarantors.com/submit-a-claim. Claims are typically paid within 5 business days.

Our policies are backed by licensed insurance carriers that are also A-rated by AM Best, including The Hanover Insurance Company, Arch, UCS, and Chubb. Check out our licensing for more details.

Why TheGuarantors?

Since 2015, we’ve been helping owners and operators adapt and thrive, no matter the economic environment. We've developed simpler, smarter solutions to provide you superior protection and to help stabilize your portfolio even in a shaky economy. Our results speak for themselves.

in rent and deposit coverage
$3.5B+
operator retention rate
99%
renter satisfaction rate
95%
languages spoken
6+