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Best Rental Guarantee Insurance Firms in the USA

Non-sponsored, Expert Verified and Transparently Ranked Rental Guarantee Insurance Firms in the USA

Published: January 16, 2026 | Verified by: Ted Scheiman & Rob Watts

Executive Summary

We analyzed 5 solutions. Top Recommendation: Rent Guaranty by Leap scored highest due to Student housing and conventional multifamily communities that need approvals for students, internationals, or declined applicants. Leap guarantees the lease to the landlord and offers a 5‑minute application plus deposit replacement to ease move‑ins [1](https://www.leapeasy.com/faqs/), [2](https://www.leapeasy.com/), [3](https://www.leapeasy.com/)..

Content Verification

15
Total Sources
January 16, 2026
Last Verified
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Evidence Coverage

Side-by-Side Comparison

Feature#1 Rent Guaranty (Leap)#2 Lease Guarantee (TheGuarantors)#3 Insurent Lease Guarantor Program (Insurent Agency Corporation)#4 Landlord Protection Insurance (SureVestor)#5 Renter Guarantee (Rhino)
Best ForStudent housing and conventional multifamily communities that need approvals for students, internationals, or declined applicants. Leap guarantees the lease to the landlord and offers a 5‑minute application plus deposit replacement to ease move‑ins [1], [2], [3].Multifamily owner‑operators seeking to boost approvals while de‑risking income. Covers defaults, no‑shows, holdover, damages, and vacancies at no operator cost [1], and is backed by A‑rated carriers with streamlined claims through an operator portal [2].Urban multifamily landlords that need guaranteed rent when applicants lack qualifying income or U.S. credit. Program guarantees the full rent obligation at no landlord cost [1], with approvals often within 24 hours for renters [2], and broad acceptance across major markets [3].Professional property management companies and SFR portfolios wanting insured protection against unpaid rent and eviction costs. Coverage includes loss of rent, legal/eviction fees, and malicious damage [1], is available via PMs to protect landlords [2], and comes with zero cost to PMs [3].Large multifamily portfolios seeking to approve thin‑credit applicants while maintaining protection. Rhino can act as the guarantor when applicants don’t qualify [1], is trusted across 3M+ homes [2], and offers free, easy property‑manager partnership [3].
Approval SpeedInitial response within 30 minutes during business hours; complete applications are reviewed within 30 minutes. (leapeasy.com) Many applicants are ready to move in the same day; once documents are received, residents can be ready to sign within the hour. (leapeasy.com)Automated approval decision in about 9.6 seconds. Most applications receive a response the same day after required info; underwriting review and lease detail confirmation may take 1, 2 days. (theguarantors.com)Approvals typically within ~30 minutes (except holidays); guaranty is usually issued within 24 hours. (insurent.com)Quick, no‑hassle approval via online application; approved applications receive a quote and gain access to services. Once approved, Landlord Protection can be added without extra underwriting. (surevestor.com)N/A
Coverage ScopeCovers landlords for tenant default up to the selected limit/term (4, 24 months, up to the full rent). Includes rent, utilities and recurring charges; a portion of legal/eviction costs; physical damage; and re‑rent shortfall. Pays monthly until the unit is re‑let or the coverage limit is reached; leases up to 24 months. (leapeasy.com)N/AApplicable in NY, NJ, MA, IL, MD, VA, DC, NV, CA, and FL; only in Insurent‑certified or accepting buildings. (insurent.com) Covers market‑rate and rent‑stabilized rentals, plus condos, co‑ops, and single‑family homes (≥$1, 000/mo). (insurent.com) Eligible lease terms: 12 months (incl. partial month), 13, 15, 16, 18, and 24 months. (insurent.com)Tenant malicious damage up to $35, 000; theft/damage due to theft up to $15, 000; loss of rent up to 12 weeks for delinquency/skipped payments (more in other scenarios); eviction legal fees up to $5, 000 plus sheriff fees. (surevestor.com)Covers missed rent and excessive damage; landlord can claim up to the policy’s coverage amount set to meet the property’s requirements. (support.sayrhino.com) Rhino pays approved claims to the property owner; the renter must reimburse Rhino, with valid claims first paid from any refundable reserve/collateral. (support.sayrhino.com)
Integration CapabilitiesIntegrates with Rent Manager PMS (listed in Rent Manager’s Integrations directory). Email-driven workflow: sends payment links; notifies landlord when paid; delivers Proof of Coverage. Fits standard leasing procedures. Leap also claims integration across hundreds of thousands of homes in the U.S. (rentmanager.com)API integrations available for easy implementation; pairs with existing screening workflows. (theguarantors.com) Operators manage via a Landlord Portal to enroll properties and invite renters; agreements executed through DocuSign. (theguarantors.com)Web portals enable online applications, claims, building registration, and application-status checks (via Appian portals). (insurent.com) Post-acquisition, MRI states Insurent will be integrated into the MRI Living suite; timing not specified. (mrisoftware.com)Online PM portal for policy requests; SureVestor handles tracking, monthly reporting, and owner/tenant billing. Provides guidance to implement offerings in your property management software. (surevestor.com)Embedded via Rhino Integrated into partners’ digital leasing flows; supports PMS integrations with Yardi, RealPage (OneSite/On‑Site), Entrata, MRI, Rent Manager, and Salesforce. Enables automatic renter invitations and policy/coverage sync directly inside PMS (e.g., RealPage marketplace integration), minimizing portal switching. (prnewswire.com)
5 Companies Listed
leapeasy.com

LeapCompany Information

Industry: Real Estate
API: No

Description

Leap Easy provides deposit replacement and rent guaranty services that helps renters to secure an apartment without the burden of a large upfront cash deposit. It aims to simplify the renting process by acting as a co-signer or guarantor for residents, allowing them easier access to rental properties.

What They Do

Leap Easy offers deposit replacement and rent guaranty services, allowing renters to move in without hefty security deposits.

Who They Serve

Renters, especially students and individuals with income challenges, and landlords who want to secure their properties.

Key Value Propositions

No large upfront security deposit
Fast application process
Access to desired apartments
Excellent customer service

What Customers Say

"Leap made the process of applying really easy. They’re very responsive to any questions you may have and they send out daily email reminders about your application to ensure your place where you’re applying is held."

Jose C.

"I really am thankful for this company! I would definitely use them if you need help with a co-signer. They helped answer any questions I had and made sure I was able to get everything paid for."

Kaylyn R.

"I contacted LEAP and it was such an easy process. They act as a guarantor/co-signer when I didn't quite income qualify for my apartment. They were super prompt and provided excellent customer service."

Brittany S.

"Leap gave me the opportunity to live in an apartment that I would have not been able to without them. They were very helpful and fast communicators when I contacted them. I would recommend using their service!"

Jordan M.

Customer Reviews

Jose C.

(4.7)

Leap made the process of applying really easy. They’re very responsive to any questions you may have and they send out daily email reminders about your application to ensure your place where you’re applying is held.

via Google
View Full Review →

Kaylyn R.

(4.7)

I really am thankful for this company! I would definitely use them if you need help with a co-signer. They helped answer any questions I had and made sure I was able to get everything paid for. Thank you so much.

via Google
View Full Review →

Target Customers

Renters
Landlords
Property Managers

Industries Served

Real Estate
Insurance
Property Management

Contact Information

Summary

Lease guaranty that helps properties approve applicants who might otherwise be declined, including students and internationals. Leap also offers deposit replacement to reduce move‑in friction, with a fast, mobile‑friendly application.

Key Features

  • Insurance coverage arranged by Leap Insurance Agency, LLC
  • Coverage provided by an A- (excellent) rated insurance company (A.M. Best)
  • Application process available online

Key Benefits

  • Access to apartments without prepaying rent
  • No need for a parental or third-party co-signer
  • Landlords receive insurance-backed coverage against tenant default

Who Is It For

  • Renters who cannot or do not want to prepay rent
  • Renters who do not have access to a parental or third-party co-signer
  • Residential landlords seeking risk mitigation for tenant default

Welcome to the Rent Guaranty Application!

Get access to the apartments you’ve only dreamed of without prepaying rent or making your parents co-sign.

  • No prepayment of rent required
  • No parental co-signer required

Leap Insurance Agency, LLC arranges coverage for residential landlords in states where it is licensed to offer insurance products. Coverage is provided by an insurance company currently rated A- (excellent) by A.M. Best.

  • Coverage arranged by Leap Insurance Agency, LLC
  • Coverage provided by A- (excellent) rated insurance company

Resources

Detailed Comparison

Approval Speed

Initial response within 30 minutes during business hours; complete applications are reviewed within 30 minutes. (leapeasy.com) Many applicants are ready to move in the same day; once documents are received, residents can be ready to sign within the hour. (leapeasy.com)

Coverage Scope

Covers landlords for tenant default up to the selected limit/term (4, 24 months, up to the full rent). Includes rent, utilities and recurring charges; a portion of legal/eviction costs; physical damage; and re‑rent shortfall. Pays monthly until the unit is re‑let or the coverage limit is reached; leases up to 24 months. (leapeasy.com)

Integration Capabilities

Integrates with Rent Manager PMS (listed in Rent Manager’s Integrations directory). Email-driven workflow: sends payment links; notifies landlord when paid; delivers Proof of Coverage. Fits standard leasing procedures. Leap also claims integration across hundreds of thousands of homes in the U.S. (rentmanager.com)
theguarantors.com

TheGuarantorsCompany Information

The Guarantors is a fintech company that provides innovative solutions for rental access and affordability in the US. They offer rent coverage, deposit coverage, and renters insurance to help renters qualify for their desired apartments, while also providing protection for property managers against defaults.

Industry: Insurance
Type: private
Employees: 201-500
Founded: 2014
Location: TheGuarantors, 28 Liberty St, New York, NY 10005, USA
Revenue: 50m 100m
Funding: $111.7M (DEBT FINANCING)
Phone: +1 800 790-9763
API: No

Keywords

rental insurance
fintech
rent coverage
deposit coverage
renters insurance
affordable housing
leasing solutions
property management
tenant protection
risk mitigation

Description

We help renters get approved for the home they want while giving owner-operators coverage against defaults, damages, vacancy, and more. We’ve been opening more doors for a decade with industry-leading technology in the rental space.

What They Do

Provide rental guarantee services and renters insurance.

Who They Serve

Renters and property owners/operators.

Key Value Propositions

AI-powered solutions for renters
Renters insurance
Lease guarantees to reduce risks for operators

What Customers Say

"TheGuarantors allowed me to secure my dream apartment in my dream location. I feel more at home here than I did owning my own home for ten years."

Rikki V., Renter

"Without TheGuarantors, I wouldn't have been able to secure a place to live. I'm from Brazil, didn't have a credit score, and there was no one I could ask to be my guarantor. TheGuarantors made it possible."

Fernando V., Renter

"I truly feel like I’ve had an ally in TheGuarantors throughout the rental process, and I highly recommend them to all prospective renters."

Jason F., Renter

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

Traci Baumgarten, Residential Financial Director

"Working with TheGuarantors enables us to increase our occupancy without the fear of increasing our bad debt."

Salil Sheth, EVP, Property Operations

"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

Target Customers

Renters
Property Owners
Real Estate Operators

Industries Served

Real Estate
Insurance
Rental Services

Summary

Insurance-backed lease guarantee that lets owners and operators approve conditional or declined applicants without risking rent roll. Covers defaults, no‑shows, holdover, damages, and vacancies at no cost to operators.

Key Features

  • Covers missed rent (arrears and going-forward until a new renter is found, excluding concessions or penalties)
  • Optional Deposit Coverage (security deposit alternative) for damages, utilities, legal fees, and late fees
  • Flexible coverage amounts selected by property partners
  • Upfront, non-refundable premium paid by renter
  • Coverage is per lease, not per renter (roommates can share cost)
  • Advanced underwriting platform built on 10 years of proprietary data
  • Backed by 10+ balance sheet partners for capacity
  • Trusted by 9 of the top 10 operators

Key Benefits

  • Increases occupancy by enabling acceptance of more applicants
  • Reduces bad debt by up to 70% (per internal data)
  • Accelerates lease-ups
  • Combats renter fraud
  • No cost to property owners/operators
  • Covers a wide range of risks including defaults, damages, vacancies, and more
  • Personalized pricing for renters

Who Is It For

  • Multifamily property owners and operators
  • Single family rental owners
  • Student housing providers
  • Independent owners and managers
  • Renters who are conditionally approved or previously declined (e.g., freelancers, young professionals without established credit, international students without a guarantor)

Turn conditionals and declines into residents, without the risk

The most flexible lease guarantee product on the market helps you get more applicants in the door without compromising your rent roll. All at no cost to operators.

How It Works

5 steps to insure rent roll

  • Enroll to become our partner: Choose the amount of Rent Coverage your unique properties need, with or without an optional SDR.
  • Send your applicant our way: Conditional or denied applicants can apply for coverage through us.
  • They’ll make an upfront payment to us: If we find your applicant is eligible, they’ll pay us a premium.
  • Your new resident moves in: Once the applicant pays, they’re clear to proceed with lease signing.
  • We protect your finances: Resident defaults or causes damage? You’re covered.

Defaults, no-shows, holdover, damages, and vacancies are covered

The most advanced renter underwriting platform

Built on 10 years of proprietary data.

Capacity you can count on

Backed by 10+ balance sheet partners

A trusted multifamily partner

9 of the top 10 operators trust us to secure their rent roll.

A common worst case scenario, resolved

Scenario: A resident moves in. They stop paying rent, but don’t move out. You face losing tens of thousands in rent roll. Solution: With TheGuarantors, you’re covered for missed rent, vacancies, no-shows, and holdover.

TheGuarantors can reduce your bad debt by up to 70%

Our Lease Guarantee is a no‑brainer

Owners, operators, and residents love it.

  • A must-have for tackling multifamily bad debt.
  • TheGuarantors has been a game-changer for my rental properties. Their rent guarantee service is reliable, providing peace of mind that minimizes losses from defaults.
  • Working with TheGuarantors enables us to increase our occupancy without the fear of increasing our bad debt.

Give great people (like this) the keys with confidence

  • The single mom freelancer with sufficient (but inconsistent) income.
  • The young professional who has yet to establish credit.
  • The international student with grants galore but no guarantor.

If you’ve got questions, we’re ready with answers

  • A Lease Guarantee policy can include Rent Coverage only or both Rent & Deposit Coverage.
  • Rent Coverage covers up to a certain amount of missed rent (arrears and going-forward until a new renter is found, but not concessions or penalties).
  • Deposit Coverage, a security deposit alternative, covers certain damages, utilities, legal fees, and late fees.
  • Renters pay for the Lease Guarantee. The price is determined after underwriting in accordance with rates filed and approved by regulators.
  • Pricing is personalized based on monthly rent, the applicant’s financial profile, and the coverage required. The renter receives a quote after completing the free online application. If approved, the renter pays an upfront, non-refundable premium. The cost is per lease, not per renter, so roommates can share the cost.

Resources

Detailed Comparison

Approval Speed

Automated approval decision in about 9.6 seconds. Most applications receive a response the same day after required info; underwriting review and lease detail confirmation may take 1, 2 days. (theguarantors.com)

Integration Capabilities

API integrations available for easy implementation; pairs with existing screening workflows. (theguarantors.com) Operators manage via a Landlord Portal to enroll properties and invite renters; agreements executed through DocuSign. (theguarantors.com)
3Insurent Agency Corporation logo
Insurent Agency Corporation
insurent.com

Insurent Agency CorporationCompany Information

Industry: Real Estate
API: No

Description

Insurent's Lease Guarantor Program simplifies and eases the rental process for renters, brokers, and landlords. It is accepted at over 775,000 rental units across various states and aims to reduce vacancies and eliminate rent loss.

What They Do

Provide a lease guarantor service that helps renters qualify for apartments they might not be able to secure otherwise.

Who They Serve

Renters, landlords, and brokers.

Key Value Propositions

Accepted at 775,000+ units across several states
Quick qualification process for renters
Reduction of vacancies for landlords
Simplification of the rental process

What Customers Say

"My three roommates and I just graduated from college and didn’t qualify on our own for the lease on our dream apartment. Insurent solved all our problems–they helped us get our apartment and DID IT IN UNDER A WEEK!"

Cliff M., Renter

"Even as a recent college graduate, Insurent helped me get the apartment I dreamed of. Their agents are incredibly professional. Emails were returned within minutes and they happily answered all of my landlord’s questions. Smooth, easy, friendly and professional."

Gunner A., Renter

"Insurent is a great option for those who can’t meet a landlord’s requirement or don’t have a guarantor. They are also extremely professional and efficient, which makes the whole process so much easier!"

Corinne Matthews, Broker/ Relocation Specialist

"I needed to secure my apartment just before going on vacation, so time was not on my side. Thanks to the amazing team at Insurent (and my amazing broker) I was able to get the quick turn-around on the approval I needed."

Christopher D., Renter

Target Customers

Renters
Landlords
Brokers
Relocation Specialists

Industries Served

Real Estate
Property Management

Summary

Institutional lease guaranty accepted across hundreds of owners and 775, 000+ apartments. Guarantees the full rent obligation and other items at no cost to landlords, with rapid approvals for renters.

Key Features

  • Acts as a lease guarantor for residential rentals.
  • Accepted at over 775, 000 units in multiple states.
  • Fast qualification process (in minutes).
  • Lowest guaranty prices for renters.
  • Covers rental apartments, condos, and co-ops.
  • Financial risk is carried by Insurent, not the landlord.

Key Benefits

  • Renters can qualify for apartments quickly, even if they do not meet standard landlord requirements.
  • Landlords reduce vacancies, eliminate rent loss, and access a larger pool of renters.
  • Brokers close more deals and help renters get approved more quickly.
  • Simplifies and shortens the rental process.
  • No cost to landlords for participation.

Who Is It For

  • Recent graduates
  • International and US students
  • U.S. employed and non-U.S. employed individuals
  • Self-employed individuals
  • Relocating executives
  • Retirees
  • Corporate leases
  • Landlords/property owners
  • Brokers/relocation specialists

THE APARTMENT YOU WANT THE GUARANTY YOU NEED

With the Insurent Lease Guaranty Program, renters get the apartment they love, landlords reduce vacancies & eliminate rent loss, and brokers close more deals. Accepted at over 775,000 units across NY, NJ, MA, VA, MD, DC, IL, NV, CA and FL.

OWNERS & LANDLORDS

Our Insurent® Lease Guarantor Program carries the financial risk—at no cost to you.

  • Reduce vacancies
  • Access more renters
  • Eliminate rent loss
  • Simplify rental process
  • Shorten leaseup period

PROSPECTIVE RENTERS

Qualify for your new apartment in minutes at the lowest guaranty prices. We help:

  • Recent grads
  • International and US Students
  • U.S. Employed and Non-U.S. Employed
  • Self-employed
  • Relocating execs
  • Retirees
  • Corporate Leases

RELOCATION SPECIALISTS & BROKERS

Close more deals and help renters get approved more quickly for:

  • Rental apartments
  • Condos
  • Co-ops

About Insurent

Insurent's Lease Guarantor Program simplifies and eases the rental process for renters, brokers and landlords/property owners. See how we’ve become the industry leader over the past 8 years.

Resources

Supporting Resources

Detailed Comparison

Approval Speed

Approvals typically within ~30 minutes (except holidays); guaranty is usually issued within 24 hours. (insurent.com)

Coverage Scope

Applicable in NY, NJ, MA, IL, MD, VA, DC, NV, CA, and FL; only in Insurent‑certified or accepting buildings. (insurent.com) Covers market‑rate and rent‑stabilized rentals, plus condos, co‑ops, and single‑family homes (≥$1, 000/mo). (insurent.com) Eligible lease terms: 12 months (incl. partial month), 13, 15, 16, 18, and 24 months. (insurent.com)

Integration Capabilities

Web portals enable online applications, claims, building registration, and application-status checks (via Appian portals). (insurent.com) Post-acquisition, MRI states Insurent will be integrated into the MRI Living suite; timing not specified. (mrisoftware.com)
4SureVestor logo
SureVestor
surevestor.com

SureVestorCompany Information

Industry: Insurance
API: No

Description

SureVestor provides exclusive coverage solutions designed for property managers to protect landlords, minimize liability, and grow portfolios at no cost.

What They Do

Provide specialized insurance solutions for property managers.

Who They Serve

Property managers and landlords.

Key Value Propositions

Exclusive insurance coverage solutions
No cost shipping for property managers
Comprehensive protection for landlords and portfolios

What Customers Say

"SureVestor is a differentiator!"

Chuck Kelly, Eclipse Property Mgmt

"SureVestor is a no-brainer."

Derek Seal, Gorilla Rents

"What does peace of mind cost?"

Randy Huntly, Property Mgmt Advisors

Target Customers

Property Managers
Landlords

Industries Served

Insurance
Property Management

Summary

Insurance program offered via property managers that includes loss of rent, eviction costs, legal fees, and tenant malicious damage. Designed to protect landlords’ rental income and reduce property‑management risk.

Key Features

  • Malicious Damage Coverage
  • Loss of Rent & Eviction Costs Coverage
  • Affordable pricing structure
  • Simple and straightforward signup process
  • Dedicated support from SureVestor
  • No extra underwriting required after approval
  • Ready-made resources for implementation and promotion

Key Benefits

  • Up to $35,000 in coverage for intentional damages caused by tenant vandalism or theft.
  • Up to 12 weeks of rent covered for delinquency or skipped payments.
  • Covers up to $5,000 in legal fees for eviction, including filing, defense, and Sheriff fees.
  • Affordable for landlords (just over a dollar a day), with no cost to property managers.
  • Exclusive coverage only available through SureVestor in the U.S.
  • Helps property managers attract and retain more property owners by offering a unique product.

Who Is It For

  • Landlords
  • Property Managers (PMs)
  • Property Management Companies

Landlord Protection Insurance

Protect your landlords from malicious damage, eviction expenses, and unpaid rent—all for just over a dollar a day. SureVestor is the only U.S. broker with Rent with Confidence Guarantees, saving owners from costs that could reach tens of thousands of dollars, and they can only get this coverage through you, the Property Manager.

Benefits

  • Up to $35,000 in intentional damages caused by tenant vandalism or theft.
  • Exclusive coverage only available through SureVestor in the U.S.
  • Ensures up to 12 weeks of rent for delinquency or skipped payments and more for other situations.
  • Covers up to $5,000 in legal fees, including filing and defense costs and additional for Sheriff fees.
  • Just over a dollar a day for landlords, at no cost to PMs.
  • Straightforward signup with SureVestor’s dedicated support.
  • Offer a truly exclusive product that sets you apart in a crowded market.

Implementation & Best Practices

  • Once approved, add Scheer Landlord Protection to your portfolio without extra underwriting. Plus, we have all the resources, so you don’t have to create anything.
  • Emphasize guaranteed damage and loss-of-rent coverage to protect their investments.
  • Direct landlords to SureVestor’s resource center for a transparent breakdown of coverage specifics.

Resources

Supporting Resources

Detailed Comparison

Approval Speed

Quick, no‑hassle approval via online application; approved applications receive a quote and gain access to services. Once approved, Landlord Protection can be added without extra underwriting. (surevestor.com)

Coverage Scope

Tenant malicious damage up to $35, 000; theft/damage due to theft up to $15, 000; loss of rent up to 12 weeks for delinquency/skipped payments (more in other scenarios); eviction legal fees up to $5, 000 plus sheriff fees. (surevestor.com)

Integration Capabilities

Online PM portal for policy requests; SureVestor handles tracking, monthly reporting, and owner/tenant billing. Provides guidance to implement offerings in your property management software. (surevestor.com)
sayrhino.com

RhinoCompany Information

Rhino is a platform that provides a faster, easier, and more affordable way to meet move-in requirements for renters. It offers security deposit insurance and renters insurance, as well as cash security deposit management services.

Industry: Insurance
Type: private
Employees: 201-500
Founded: 2017
Location: 99 Wall Street, #1504, New York, NY 10005
Revenue: 50m 100m
Funding: $129.0M (SERIES UNKNOWN)
Phone: +1 212-966-6554
API: No

Keywords

renting made easy
security deposit insurance
renters insurance
cash security deposit management
rental solutions
affordable housing
fintech
insurance
security deposits
real estate

Description

Rhino instills confidence in renters while providing comprehensive coverage for property owners—all within a seamlessly integrated platform. Rhino revolutionizes the rental industry as the first ever deposit platform. Our mission is to provide renters with accessible and cost-effective deposit choices, all while streamlining the rental process for property owners and site teams.

What They Do

Rhino offers insurance products to replace traditional cash security deposits, making the renting process more affordable for renters and helping property owners streamline operations.

Who They Serve

They serve both renters looking for affordable housing solutions and property owners/managers seeking to optimize their leasing processes.

Key Value Propositions

Customizable payment options for renters
Integrated platform for property managers
Streamlined rental experience
Comprehensive coverage for renters and owners

What Customers Say

"Rhino made the process of getting my first apartment much more affordable and my move-in process easy. I am very thankful for Rhino and the opportunity it provided for me."

Empress B., Renter

"Rhino literally made it possible for us to move across the country and start a job that our family has sacrificed so much for. We couldn’t be more grateful!"

Aumberly R., Renter

"Rhino insurance helped me get my apartment for my family. They offered amazing support and coverage for us all."

Emily A., Renter

"An amazing service! Making renting affordable again without the upfront paywall of 2x rent!"

Nick K., Renter

Customer Reviews

Alice J.

Homeowner

(5)

Rhino has changed the way I look at renting! The insurance made everything easy and affordable.

via Google2023-01-15
View Full Review →

Mark L.

Property Manager

(4)

Great tool for managing deposits! My tenants appreciate the options.

via Yelp2023-02-10
View Full Review →

Target Customers

Renters
Property Managers
Landlords

Industries Served

Real Estate
Insurance

Trusted By

Brick and Vine
Clear Integrity Group
EMBA Management Group
Evolve Companies
Haley Residential
Highmark Residential
Jaxon Texas Property Management
Karya Property Management
Lion Real Estate Group
Lund Company
Odin Properties
River Junction Apartment Homes
Sandalwood
Simpson Housing
Tishco Properties
Westdale

Summary

Rhino can step in as a lease guarantor for applicants who don’t meet conventional criteria, offering property owners added protection. Delivered alongside Rhino’s deposit and renters insurance solutions and deployed via partnered properties.

Key Features

  • Guarantor coverage that meets property owner requirements
  • Coverage for damages or unpaid amounts (e.g., unpaid rent)
  • No need for a co-signer
  • Payments are not refunded at the end of the lease
  • Coverage is subject to underwriting approval

Key Benefits

  • Enables renters to qualify for rentals without a traditional guarantor
  • Reduces upfront costs compared to traditional security deposits and co-signers
  • Provides property owners with confidence that rent will be paid
  • Flexible payment options (credit or debit)
  • Personalized pricing based on renter's situation
  • Renter support agents available

Who Is It For

  • Renters who do not qualify for a lease on their own
  • Renters who do not have access to a traditional guarantor or co-signer
  • Renters seeking to reduce upfront costs associated with renting
  • Property owners seeking additional coverage for their rental properties

Need a lease guarantor? We’ve got you.

Rhino can act like your guarantor, so you can qualify for the rental you love.

How does Rhino guarantee my lease?

If you don’t qualify for a lease on your own, Rhino steps in as a guarantor—providing your property owner additional coverage. You pay a smaller fee. Your property owner is happy.

How does Rhino’s guarantor coverage work?

With guarantor coverage, Rhino meets your property owner’s requirements. This gives them confidence that rent will be paid, if you fail to do so.

  • Meet your property’s requirements
  • Personalized pricing
  • Flexible payment options like credit or debit
  • Renter support agents available

FAQs

  • Guarantor coverage offers security deposit insurance and additional coverage in lieu of a co-signer.
  • Policies secure the home for the property owner in case of damages or unpaid rent.
  • Pricing is unique to each renter and based on several factors.
  • Payments are not refunded at the end of the lease.

Resources

Detailed Comparison

Coverage Scope

Covers missed rent and excessive damage; landlord can claim up to the policy’s coverage amount set to meet the property’s requirements. (support.sayrhino.com) Rhino pays approved claims to the property owner; the renter must reimburse Rhino, with valid claims first paid from any refundable reserve/collateral. (support.sayrhino.com)

Integration Capabilities

Embedded via Rhino Integrated into partners’ digital leasing flows; supports PMS integrations with Yardi, RealPage (OneSite/On‑Site), Entrata, MRI, Rent Manager, and Salesforce. Enables automatic renter invitations and policy/coverage sync directly inside PMS (e.g., RealPage marketplace integration), minimizing portal switching. (prnewswire.com)

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Our Ranking Methodology

How we rank these offerings

We ranked these Rental Guarantee Insurance Firms in the USA using a weighted scoring formula: Coverage Scope (40%), Approval Speed (30%), Integration Capabilities (30%). N/A values receive 0 points. Rent Guaranty scored highest with 92.5 due to comprehensive coverage, fast approval, and reasonable integration. Companies with N/A values had reduced maximum scores.

Ranking Criteria Weights:

40%
Comprehensive coverage reduces financial risks for landlords and enhances tenant approval processes.
35%
Quick approvals are essential for landlords to minimize vacancy periods and streamline the leasing process.
25%
Seamless integration simplifies operations and enhances efficiency for property managers.
Rankings last updated: 1/16/2026

Frequently Asked Questions

What are the typical costs and pricing models for rental guarantee insurance firms in the USA?
Typical costs for rental guarantee insurance can vary, but they are often structured as a percentage of the guaranteed rent or a fixed fee based on the lease term. Companies like Insurent offer guarantees at no cost to landlords, instead charging tenants a fee which is typically a small percentage of the annual rent. Rhino, on the other hand, bundles their lease guarantee with deposit and renters insurance solutions, often leading to competitive pricing that is attractive to both landlords and renters.
What key criteria should be considered when selecting a rental guarantee insurance firm?
Key selection criteria include the breadth of coverage, ease of application, and speed of approval. For instance, Lease Guarantee offers comprehensive coverage for defaults and damages at no cost to operators, emphasizing risk mitigation. Additionally, the ability to cater to non-traditional applicants, such as students and internationals, as done by Rent Guaranty, can be crucial for properties with diverse tenant profiles.
What are the industry standards and compliance requirements for rental guarantee insurance firms?
Industry standards typically require firms to have robust financial backing and adherence to state-specific insurance regulations. Insurent's operation across hundreds of owners and over 775, 000 apartments indicates their compliance with rigorous standards, while technology-driven solutions like those of Renter Guarantee by Rhino highlight scalability and regulatory compliance across multiple jurisdictions.
What are the common implementation challenges and solutions for rental guarantee insurance?
Common implementation challenges include integrating with existing property management systems and ensuring tenant acceptance. Solutions like Rhino's mobile-friendly applications and Insurent's rapid approval processes facilitate seamless adoption. Effective communication and training for property managers, as seen with Landlord Protection Insurance, also help in overcoming initial implementation hurdles.
How can rental guarantee insurance firms demonstrate ROI and value delivery?
ROI can be demonstrated through reduced vacancy rates and lower default-related losses. Lease Guarantee's model of covering no-shows and holdovers adds substantial value by securing cash flow. Similarly, Rent Guaranty's deposit replacement offering aids in reducing move-in friction, thereby increasing tenant satisfaction and potentially resulting in longer lease terms.

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