What if your tenant stops paying his rent?
Secure your rental income.

  • Up to 18 months guaranteed rent if your tenant stops paying
  • Free yourself from legal procedures and costs related to non-payment
  • Cover your accidental rental damages

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Common charges are those mentioned in the tenancy agreement.

A unique insurance

Up to 18 month paid rent

Your tenant no longer pays rent? We cover up to 100% of unpaid rent (max 2500€/month) during 6,12 or 18 months.

Comprehensive legal protection*

Your payment reminder has no effect? You cannot come to an agreement? We take care of all procedures and expenses related to the unpaid rent dispute (up to 7500€).

*Should you be interested in subscribing to the Rent Guarantee insurance or Legal protection separately, please contact Qover.

Accidental damage and negligence

Premium package only

Your property has been damaged? We reimburse you for the costs of repairs and rehabilitation in the event of unintentional damage or gross negligence on the part of your tenant.

A unique insurance

You are unsatisfied? Cancel at any time for free. We will refund your unused monthly premiums.

2 out of 3 landlords have already experienced rent losses of more than two months.

Results of an Immoweb survey on “the impact of unpaid rent on landlords”, August 2017, 400 respondents

Partners you can count on

This unique insurance is the result of a strong collaboration between 3 insurance experts in partnership with one of the biggest real estate market player in Belgium.

Immoweb logo

1st real estate website in Belgium for more than 20 years.

Immoweb introduces this exclusive insurance to its clients.

Qover logo

Qover is the insurance partner for every digital business.

Qover commercializes this insurance product.

DAS logo

Pioneer in legal protection for more than 100 years.

D.A.S. provides the Legal Protection insurance.

Logo MunichRe

Solid and trustworthy international risk management expert.

Great Lakes Insurance SE, part of Munich RE, covers the risk of the Rent Guarantee insurance.


What's good to know about our rent guarantee insurance

  • The property

    Located in Belgium

    Rented for residential purposes only

    Rented for at least 12 months

  • The landlord

    Be aged of minimum 18 years old

    Be a permanent lawful resident of Belgium

    Be the rented property owner or the authorized person mandated by the rented property owner

  • The rent

    A copy of the initial inventory document is required (Premium pack only).

    A tenancy agreement must be signed and registered.

    Bank statements or equivalent proof showing the existence of a 2-month rental deposit

  • The tenant

    Either does not yet occupy the property

    Or occupies the property since less than 45 days or since more than 6 months

    If more than 6 months, the tenant must be up to date with rent payments and no payment incident must have occurred for the last 6 months

  • Other conditions

    A waiting period of 60 days applies at the start of the insurance contract

    A new waiting period of 60 days starts for any change of tenants during the contract period

    Only one unpaid rent claim per occupying tenant is allowed

  • What to do in case of non-payment?
  • How to file a claim?
  • What should you do if your tenant stops paying?
  • What properties are covered?
  • What documents do you need to collect?

Legal notice

  • The Rent Guarantee insurance is underwritten by Great Lakes insurance SE. Registered with the commercial register of the local court of Munich under number HBR230378.Great Lakes Insurance SE is a fully owned subsidiary of Munich Re Group and acts as a specialist provider of insurance services and the preferred facilitator of insurance business.
  • The Legal Protection is underwritten by D.A.S. SA/NV, a non-life insurer registered in Belgium under number 0687.
  • Both are administrated by Qover S.A. - FSMA 0650.939.878.
  • The Rent Guarantee insurance is a non-life insurance product (branch 16) and the Legal protection is a non-life insurance product (branch 17).
  • The present contract is concluded for a period of one year. It shall be tacitly renewed for consecutive periods of one year.
  • The insurance contract is subject to the Belgian law.