After more than a decade of experience, we have a vast experience to advise you in the choice of a rent insurance oriented to your needs. Contact us and insure the rental of your property in Zaragoza.
Renter’s default insurance is a policy designed for homeowners who rent their property and seek to protect their income against possible non-payment, legal disputes or damages caused by the tenant. It is the best way to rent safely and securelyeven when the tenant is unknown.
The cost of the insurance is deductible in personal income tax (IRPF). deductible in the IRPFThe cost of the insurance is deductible in the IRPF, which means a saving in the income tax return, since a part of the amount is assumed by the Treasury.
Choosing the right the right non-payment of rent insurance is key, since not all insurers offer the same coverage and specialization. The market is smaller than for other insurances, so you need good advice if you want to take out the right policy.
In terms of cost, it is usually around 5 % of the annual rentThis is a much more accessible and complete option than the bank guarantee, which demands more formalities and requirements and offers fewer guarantees against possible non-payments or conflicts with the tenant.
Income guarantee against defaulting tenants
The insurance covers non-payment of the monthly rent by the tenant, with indemnity from 6 to 18 months depending on the policy contracted.
Complete legal advice
It includes legal defense against any conflict related to the lease contract, as well as the formal claim of unpaid rents.
Recover your home in case of squatting
Tenant-caused defects
Covers intentional or vandalism damage that the tenant may cause to the dwelling, either to the building or, optionally, to the contents.
Recover the amount paid for basic services
If the tenant leaves unpaid bills for utilities such as water, electricity or gas, the insurance provides for their reimbursement.
(*) The information contained in this page is for information purposes only and does not constitute a binding offer. The definitive terms and conditions of any insurance coverage are detailed exclusively in the specific policy issued. In case of discrepancies, the conditions stipulated in the specific policy shall prevail.
First of all, the insurer performs a free evaluation of the tenant’s solvency, for which it will be necessary to provide certain documentation.
This analysis has a dual function: on the one hand, it will help the company decide whether or not to assume the risk; on the other hand, it will help the owner to assess whether or not it is convenient for him to sign the lease contract.
In our case, this analysis is carried out quickly and almost immediately.
As we said, the usual price of the insurance is around 5%.% of the annual rent, although it may vary if additional coverage is included, such as damage due to vandalism to the contents of the dwelling.
Unlike the bank guarantee, this insurance is cheaper, easier to contract and offers greater guarantees. In addition, it is deductible in the income tax return, which means tax savings.
In case of non-payment, it is essential to notify the insurer as soon as possible. The legal team will then initiate the claim process and take the necessary steps to recover the money.
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