Today we’re going to talk about rental insurance or, rather, no non-payment rental insurance, we’ll see what this product/service must have to be considered the best non-payment rental insurance.

For years, the owners have seen how one of their greatest concerns was the non-payment of rent for their homes and the slowness with which the administration reacted to this.

Given that, they couln’t do anything no matter how much they tightened the screws of the administration, rental non-payment insurance appeared, a service or product that is incresingly in demand by owners who have apartments for rent.

We’re currently within a very guaranteeing legal framework, which protects private property but in a way that, for an owner, is not enough.

But let’s get to what we are going to, we will see what non-payment rental insurance offers and what are the inputs that rental insurance must have to consider it the best rental insurance

The best non-payment rental insurance

For us, the best rental insurance is finding the best tenant.

“The best rental insurance is finding the best tenant”

But, if we are afraid of being cheated, rent non-payment insurance is here to minimize the economic and emotional damage that a non-payment of rent has on landlords.

Which is the best rental insurance?

To find out which is the best rental non-payment insurance, it is best to review what insurance companies offer within their rental non-payment insurance, which in the jargon of insurers is called coverage


As in car or theft insurance, each company offers its own coverage and the best thing you can do is find out about all the companies that offer this service, and compare coverage being realistic with what you need.

But in general, a good rent non-payment insurance should cover:

The non-payment of rent insurance can assume the total or partial amount of the unpaid monthly rent – warning – total or partial of the amount. And it does so with a time limit, it will not pay you payments ad infinitum.

So compare, how much does it cover you and for how long.

The insurer will also make lawyers available to you to claim unpaid rental fees.

They will also manage the legal procedures to evict the tenant.

Last but not least, she will help you claim the damages that have been caused to your home. Be careful – some companies cover you for the same damages – as always, up to a limit established in the policy itself.

The best rental insurance will be the one that covers you for the greatest amount, for the maximum amount of time, that accompanies you at all times and guarantees your success.

Other rental insurance coverage

In addition to all the above coverage, which we believe are essential, rental insurance offers other extra services with the package, such as:

  • Locksmith expenses
  • Changes of ownership of supplies
  • Cleaning
  • Counter changes
  • Non-payment of supplies
  • Coverage of acts of vandalism


Just seeing this extra list of services makes me sweat and I am very saddened by the situation that some owners have to go through by force.

Take into account to hire

It is common for insurance, in general, to come with a good dose of fine print, make sure you read it and understand it, because the devil is in the details.

What to look for here are things like:

  • the franchise
  • the lack
  • the maximum number of months to be charged
  • the amount of coverage


The philosophy of insurers works more or less the same in all of them, so: compare, compare, have it explained to you, compare, ask for opinions, look at comments and be realistic.


The main advantage of taking out good rental insurance is a combination of money and peace of mind.

There are things that are beyond our control, we can only be prepared to minimize the damage that certain situations do to us, that translates into less damage and more peace of mind.


Peace of mind is priceless, you cannot count on money, but it has a very negative impact on our lives, affecting other sectors of our life such as family or professional life.

How much does rent non-payment insurance cost?

You can imagine that prices vary in the price of rent default insurance. Normally it is related to the coverage that said insurance has and with the power of the insurer.

It depends on the monthly payment that you are charging for the rent and for the damages, it depends on the property and its contents.

The best rental insurance doesn’t have to be the most expensive, but it does not have to be the cheapest either.

For rental non-payment insurance to be among the best rental non-payment insurance, it must be adjusted to your individual situation and offer you the best service and coverage.

A non-payment insurence rent can be contracted per semester or yearly, it depends on the rental contract, of course. And it’s around 500 euros per year on a 1000 euros per month of rent.

The best rental default insurance company is:


There are others like:

  • Mapfre
  • Caser
  • Mutual of Owners
  • DAS

But we have it very clear, so far the best is Arag.

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