Open more doors while minimizing risk

  • Approve and re-qualify 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

Here’s how TheGuarantors helps you increase occupancy

Conditional & denied applicants knocking?

Send them our way for a second chance to get into your property.

We’ll help re-qualify them with less risk

If approved for our coverage bond, they get a second chance to get in.

You’re protected against default and damages

Your new resident pays us a premium, and your rent roll is secured.

Get Started

A common occupancy situation, resolved

  1. Scenario
    You have more units than you can fill.
  2. But, many applicants are denied or conditional.
  3. This low occupancy means you need to start offering concessions.
Solution
Instead, with TheGuarantors, you re-qualify those applicants with better financial coverage.
What We Offer

One partner, multiple solutions to max occupancy

Rent Coverage

Protect your rental income against defaults for up to the entire lease term.

Learn More

Deposit Coverage

Offer a lower cost alternative to residents with damage protection you can trust.

Learn More

Renters Insurance & Digital Compliance

Monitor for gaps in coverage 24/7, then fill them automatically with one efficient solution.

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
  • 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.

These owners have had their fill (literally)

99% of our operator partners stick with us.*

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.

Margaret Nieves
Vice President, Residential Leasing

As a landlord I would not manage any building or portfolio without having [TheGuarantors] as a tool in my arsenal and option for renters to use

Toby Gingold
Director of Lease Operations

We've expanded our renter pool without risk of bad debt.

Jarrod Whitaker
SVP, Residential

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, login to TheGuarantors online portal to submit your claim. Remember to file within 60 days of the last covered loss, after regaining possession or the 2 month holdover period.

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+