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Home Insurance · For landlords

Rent out your flat with the peace of mind of a guaranteed income

Renting out your home shouldn't cost you sleep. With Rental Home I protect you against the three things that worry landlords most: rent default, tenant damage and legal trouble. If your tenant stops paying, you keep getting paid.

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Personal advice · Same-day reply · No extra cost for my advice
How I work with you
  • ✓ I help with the tenant's solvency check
  • ✓ I adjust the guaranteed rental months to your case
  • ✓ My advice never costs you more

What it is and who it's for.

Rental Home is built for the owner who rents out their property. It's not a regular home policy: besides protecting the building against fire, water damage or breakages, it shields what you're really risking by renting: getting your rent paid, avoiding a tenant wrecking your property, and having someone to defend you if a legal problem arises.

It's the difference between renting out 'and hoping for the best' and renting with a safety net.

How I work: I look at your specific case — type of property, whether it's furnished, your contract — and we adjust the cover and the guaranteed rental months so you're genuinely protected, without paying more than you should.

What's covered

Main coverage.

Rent default

If your tenant stops paying, the insurer pays you the unpaid rent: 6 or 12 months guaranteed, with a 1-month excess.

Landlord's legal defence

Claiming unpaid rent, handling the eviction process, and legal assistance for your matters as a landlord.

Damage caused by the tenant

Damage to your property — and to the furniture if it's rented furnished — beyond normal wear and tear, including vandalism.

Loss of rental income

If a covered claim leaves the property temporarily uninhabitable, the policy compensates the rent you stop receiving.

Fire, explosion and lightning

The core home protection applied to your rented property.

Water damage

Including locating and repairing the leak.

Civil liability

As the property owner, for damage to third parties arising from the home.

24-hour assistance

Emergency plumbing, locksmith, glazing and electrical work.

Are you the tenant? Is this insurance for you?.

This insurance protects the landlord. If you're the tenant and what you want is to protect your furniture and belongings — and your civil liability if you cause damage to the property — you need contents insurance, simpler and cheaper: Tenant Home. I can set that up for you too: tell me your case and I'll point you in the right direction.

What's at stake when you rent without protection.

A default can last months: between claiming, negotiating and, if needed, evicting, many months can go by without payment, and without being able to rent to someone else. Damage isn't always covered by the deposit — one or two months' deposit can fall well short against serious damage — and the legal process is slow and costly if you handle it alone.

With Rental Home, all three of those fronts are covered from day one. You rent with peace of mind.

Home Insurance Range

Choose the home insurance that fits you.

Rental Home protects the owner who rents out their property. If your situation is different, here's the rest of the range.

Home Protection

Complete everyday protection, with 24h assistance.
Owners of a primary residence or second home.

Discover this policy →

Home Premium

Everything in Protection plus All-Risk Accidental cover and higher limits.
Anyone who wants maximum cover.

Discover this policy →

Home Senior

Full cover plus priority attention and social guidance.
People over 60 (or their children).

Discover this policy → For landlords

Rental Home (Landlord)

Rent default, tenant damage and legal defence.
Owners who rent out their property.

See this option →

Tenant Home

Your belongings and your civil liability as a tenant.
People who live in rented accommodation.

Discover this policy →

See all insurance policies

I manage more policies beyond these: self-employed, civil liability, homeowners' associations and other types of cover. Browse the full catalogue or just ask me directly about yours.

See full catalogue →
MA
Micol Astorri
Insurance advisor
Why work with me

Why take out your Rental Home (Landlord) with me.

  • ✓ Personal, close service: you always talk to me
  • ✓ I help with the solvency check and requirements so the default cover is genuinely valid
  • ✓ I adjust the guaranteed rental months and cover to your property and contract
  • ✓ I'm there for you if a problem comes up: default, damage or a claim
  • ✓ My advice never costs you more

Registered with the Spanish Insurance Distributors Registry (DGSFP) no. C0133X4340072H

About me →
How to get covered

Your Rental Home (Landlord) in three steps.

1

Tell me about your property and your rental

Type of flat, whether it's furnished, and your situation with the contract.

2

We prepare tailored protection

Including the tenant's solvency check and the guaranteed rental months. I explain it all clearly.

3

We activate it

You rent out with your income and any damage covered. And I stay by your side for whatever you need.

Frequently asked questions

Before you write to me.

The questions I get asked most. If yours isn't here, write to me and I'll answer personally.

What does rental insurance for landlords cover? +
It covers unpaid rent, legal defence to claim or evict, damage the tenant causes to the property, and loss of rental income if the flat becomes uninhabitable. It also includes home cover on the property itself.
How does the rent default cover work and how many months does it cover? +
If the tenant stops paying, the insurer pays you the unpaid rent: 6 or 12 months guaranteed, with a 1-month excess. It requires a solvency check on the tenant. I'll help you choose the right option for your case.
Does it cover damage left by the tenant? +
Yes. It covers damage caused by the tenant to your property — and to the furniture if rented furnished — beyond normal wear and tear, including vandalism.
Does it include legal defence for an eviction or to claim rent? +
Yes, legal defence cover includes claiming unpaid rent and handling the eviction process, plus advice on your matters as an owner.
What happens if the property becomes uninhabitable and I can't rent it out? +
Loss of rental income cover compensates the rent you stop receiving while the property is repaired after a covered claim.
Do I have to select the tenant in some way to have default cover? +
Usually yes: default cover typically requires a solvency check on the tenant before signing. I'll guide you through that process so the cover is valid.
I'm a tenant, is this insurance for me? +
Not quite: this product protects the owner. If you're a tenant, you need contents insurance, which I can also arrange for you.
Can I insure a furnished property? +
Yes. If you rent it furnished, we adjust the policy to also cover your furniture against tenant damage.
What happens if the tenant leaves without notice and stops paying? +
The rent default cover is designed precisely for this situation: if the tenant stops paying, the insurer pays you the unpaid rent within the guaranteed period you've taken out (6 or 12 months), with the corresponding excess.
How long does the insurer take to pay me if there's a default? +
The timeframe depends on the claims process and the documentation provided, but it's designed so you keep receiving your rent as quickly as possible while the situation with the tenant is being handled.
What happens if I have several rented-out flats? Do I need a policy for each one? +
Yes, each rented-out home needs its own Rental Home (Landlord) policy, although we can organise the management of several properties together to make it more convenient for you.
Does the default cover also cover utility bills the tenant leaves unpaid? +
The main focus of the cover is the rent itself; utilities (electricity, water, gas) usually depend on whether they're in the tenant's name under the contract. Tell me how your contract is set up and we'll look into it.
What happens if the tenant doesn't pass the solvency check but I want to rent to them anyway? +
You can still rent to them, but in that case the default cover might not apply, or might apply under different terms, since it usually requires that prior check. I'll explain the implications before you decide.
Does the default cover work if I rent out by the room? +
The product is mainly designed for renting out the whole property; renting by the room may be treated differently. Tell me how your rental is set up and I'll point you towards the right option.
What's the difference between this insurance and a bank guarantee or a family member's guarantee? +
A bank guarantee or a family member's guarantee depend on that person or institution responding if there's a default, with their own procedures to enforce them. The default cover is designed to pay you the guaranteed rent directly and more quickly, without you having to make a claim against a third party.
Does the insurance cover a lawyer's fees if I have to go to court with the tenant? +
Yes, the landlord's legal defence and legal assistance cover includes handling claims and the eviction process, with a lawyer on your side.
What happens if the tenant causes damage and doesn't have the money to pay for it? +
That's exactly what the tenant damage cover is for: the insurance answers for that damage, so you don't depend on whether the tenant can or wants to pay for it.
Can I take out just the default cover without the rest of the home insurance? +
Rental Home (Landlord) is structured as a package that combines protection for the property with rent default, tenant damage and legal defence cover. Tell me about your case and we'll see which combination of cover best suits what you need.
Does the insurance cover the flat being empty between tenants? +
The default cover is triggered when a tenant stops paying, not simply when the property is empty with no tenant. If that period without income concerns you, let's talk about what options exist for your case. Here I explain what happens when a property stands empty →
What happens if I rent out my property through a holiday rental platform or by the day? +
Rental Home (Landlord) is designed for regular residential renting, not for short-stay tourist or holiday rentals, which usually need a different, specific policy. Tell me how you rent out your property and I'll point you towards the right product.
Let's get started

Rent out with peace of mind, your way.

Tell me about your property and your rental and I'll prepare a clear proposal, no obligation and no extra cost for my advice.

Request a quote → Message me on WhatsApp