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Renting

Rent-Default Insurance and Guarantees: Protect Your Rent

The best eviction is the one that never happens. With the right guarantees you minimise the risk of your tenant defaulting.

Renting · Updated October 2026 · 5 min read

✓ Content reviewed by collaborating registered lawyers of the platform. Last updated: October 2026. Based on official sources (BOE, Generalitat de Catalunya, Agència de l'Habitatge, ICAB). See our editorial policy.

Before having to evict for non-payment, the smart move is to prevent it. Several guarantees can secure your rental.

Common guarantees

  • Legal deposit: mandatory (one month's rent for housing), lodged with the regional body.
  • Rent-default insurance: the insurer pays you the unpaid rent (up to a number of months) and usually covers the legal defence of the eviction.
  • Bank guarantee: the tenant's bank guarantees payment up to a certain amount.
  • Additional guarantees: permitted within the legal limits of the Urban Leases Act (LAU).

How to choose

Rent-default insurance requires assessing the tenant's solvency before signing (payslips, employment history). Combining a good contract, a solvent tenant and the right guarantee is the safest formula.

Frequently asked questions

We answer your questions


It usually covers the unpaid rent up to a number of months and the legal defence to claim and, where applicable, evict. The exact cover depends on the policy and the tenant's solvency.

Yes, within the LAU limits you can combine the legal deposit with rent-default insurance, a bank guarantee or other guarantees. We adjust it in the contract so it is valid.

It usually covers unpaid rent up to a limit of months, the legal costs of the eviction and, depending on the policy, damage from vandalism. It requires a solvency check on the tenant.

Within the tenancy law, a bank guarantee, an additional deposit, default insurance or a guarantor. They must be set up to be valid and proportionate.

No. The legal deposit is mandatory and lodged with INCASOL; the insurance is a voluntary additional guarantee on top of it.

Want to rent with maximum security?

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