Insurance Comparison
Compare different insurance types to find the best option for your needs
| Insurance Type | Purpose | Coverage | Who Pays? | Key Features | Limitations |
|---|---|---|---|---|---|
| Rent Guarantee | Landlord protection against tenant default | Up to 12 months rent | Landlord/Tenant | Tenant credit checks, liability remains | High-risk rejections, 1-month delay |
| Guaranteed Rent Agreements | Fixed rent income assurance | Fixed monthly payments | Third-party | No tenant screening needed | Management fees, not actual insurance |
| Landlord Insurance | Property & liability protection | Damage, liability, lost income | Landlord | Structural coverage, liability protection | No default coverage |
| Homeowners Insurance | Owner-occupied home coverage | Structure, belongings, liability | Homeowner | Covers temporary rentals | Invalid for long-term rentals |
| Renters Insurance | Tenant belongings & liability | Personal property, tenant liability | Tenant | Affordable, often required | No structural/property coverage |
Rent Guarantee
Purpose
Landlord protection against tenant default
Coverage
Up to 12 months rent
Who Pays?
Landlord/Tenant
Key Features
Tenant credit checks, liability remains
Limitations
High-risk rejections, 1-month delay
Guaranteed Rent Agreements
Purpose
Fixed rent income assurance
Coverage
Fixed monthly payments
Who Pays?
Third-party
Key Features
No tenant screening needed
Limitations
Management fees, not actual insurance
Landlord Insurance
Purpose
Property & liability protection
Coverage
Damage, liability, lost income
Who Pays?
Landlord
Key Features
Structural coverage, liability protection
Limitations
No default coverage
Homeowners Insurance
Purpose
Owner-occupied home coverage
Coverage
Structure, belongings, liability
Who Pays?
Homeowner
Key Features
Covers temporary rentals
Limitations
Invalid for long-term rentals
Renters Insurance
Purpose
Tenant belongings & liability
Coverage
Personal property, tenant liability
Who Pays?
Tenant
Key Features
Affordable, often required
Limitations
No structural/property coverage