Secure your property against rising rent default

  • Combat rising renter fraud and increase risk protection up to 12X with lease guarantee and security deposit replacement
  • Ensure stronger protection with rent guarantee coverage for up to the full lease term
  • Mitigate losses from renter default, damages, vacancy, lease breaks, renter-caused accidents, and more
  • Get 77% of delinquent renters back on track with the support from our in-house support team
  • Reduce your bad debt by up to 70%
  • Ensure continuous, uninterrupted coverage with our network of 10 A-rated insurance carriers
  • All at no cost to the operator

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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.

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Replace Security Deposits

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

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Renters Insurance & Compliance

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

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A worst case scenario, resolved

  1. Scenario
    Bad economic conditions force some residents to stop paying rent.
  2. They cannot be evicted and stay in the unit, reducing your rent roll.
  3. Suddenly, you’re down $25K.
Solution
Instead of facing bad debt, lost rent is covered up to the full lease term with TheGuarantors.

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
  • No credit
  • Recent graduate
  • International resident

$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.

Don’t take our word for it

9 in 10 of the country’s top operators trust us.

4.7
on Google Reviews

TheGuarantors has become the choice for any operator looking to improve financial and operational performance while bringing great value to renters.

Chad Cooley
Managing Director

Being able to recoup 76% of your bad debt is pretty awesome.

Traci Baumgarten
Residential Financial Director

$22M+ in rent roll secured and it didn't cost us a dime.

Jarrod Whitaker
SVP, Residential Operations

Frequently Asked Questions

We are a fintech company that offers insurance products that give stronger protection for landlords and greater access to renters. Additionally, we are a licensed insurance agent and broker, and partner with a network of 10 A-rated 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 serves as an insurance policy to help owners and operators protect their rent roll and minimize bad debt. If, for any reason, the renter is unable to pay their rent, we will cover the missed rent 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. Operators can lease with confidence and ease, while renters access the apartment of their dreams.

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

The price is determined after underwriting in accordance with rates filed and approved by the regulators. Our Rent Coverage is a type of insurance policy that covers someone (the landlord) other than the person who buys it (the renter).

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 your claim at www.theguarantors.com/submit-a-claim.

Our policies are backed by licensed insurance carriers that are also A-rated by AM Best, including Hudson Insurance Group, Trisura, Intact, Everspan. 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
$5B+
operator retention rate
99%
renter satisfaction rate
95%
languages spoken
6+