El seguro de impago protege el alquiler residencial tradicional cubriendo hasta unas 12 mensualidades impagadas de un inquilino real, tras un periodo de carencia; el alquiler garantizado elimina esa figura, pagándote una empresa renta fija desde el primer mes, sin depender de nadie. Con Bliss Homes esa renta ronda el 60%-75% del alquiler de mercado, con contrato de 1 año renovable. Conviene el seguro si quieres mantener inquilino; el garantizado si prefieres no gestionar nada.
Fear's the same, the solution doesn't have to be.
The majority of owners who seek to protect themselves from non-payment first come to the non-payment insurance rental: best known solution, offered by leading insurers and agencies and solve a real part of the problem. But we have to understand what exactly resolves and what remains outstanding because an alternative exists - guaranteed rental to an undertaking - that attacks the same fear from a different root.
According to August SEAG data from 2026, around 70% from titors prioritizes minimizing risks rather than maximizing profitability of his housing. That's the fact that explain why both default and guaranteed rental have so much demand: Two speak to the same owner, who wants to sleep at peace and press his last euro.
What's and what's a rental default insurance cover
Unpaid insurance is a policy that you hire about a residential rental contract traditional. You have a tenant, you sign his lease with him and you hire him. an insurance that's activated if that tenant stops paying his rent. Overall:
- Unpaid monthly cover - usually up to a maximum number of monthly intervals, about 12 as per the policy, after an initial deficit period that varies with the insurer.
- Can include legal defence - management of the eviction procedure if the non-payment results in the need to get housing back through justice.
- Some policies add damage cover - as a complement, and they are not always included as a serial.
- Still have tenant - the insurance does not remove the lease relationship with a natural person and only protects them from one of their risks, non-payment.
It's a useful and reasonable tool within traditional residential rental. But leave them out. anything that isn't unpaid: the tenant's wear and wear daily, incident management, and the fact that you still have a regular housing of another person inside your property with the legal protections that that entails.
What's guaranteed rental and how it's different
The guaranteed rental isn't an insurance about a tenant: it's a model that removes the figure of A particular tenant. The owner signs a lease with a company - Bliss Homes, in our case - and that company pays her a fixed income every month. The housing doesn't become No one's habitual residence: Bliss operates as a half-stay or tourist accommodation, rotate guests who never gain possession of the property as their own housing.
The difference of background is this: the default insurance protects against the risk that a tenant Realty stop. The guaranteed rental removes that risk directly from the equation because there's no individual tenant whose solvency depends on monitoring. The owner charges from a company with whom you have signed a contract, not with a person whose economic situation may change months.
Unpaid insurance vs. guaranteed rental
| Non-payment insurance (with tenant) | Closed rental (company) | |
|---|---|---|
| What cover | Unpaid terms of tenant | Fixed income, doesn't depend on an individual tenant |
| Still have residential tenant | Yes | No, housing's nobody's habitual residence. |
| Lack and cover limit | Yes, period of shortcoming and an end to monthly | Unapplicable, income paid from first month |
| Stretch from the tenant every day | He's still yours to manage. | guest management by Bliss |
| Trial if conflict occurs | That may require judicial eviction | Business relationship with the lease company |
| Better for | Who wants to maintain traditional residential rental | Who wants to get completely misunderstood |
When each
They are not always competing with each other and they are different situations.
- Non-payment insurance if you prefer to maintain a regular housing rental (traditional LAU), either because your housing isn't suitable for tourist or half-stay use, because you value that particular contractual relationship, or because you already have a confidence tenant and you just want to cover the risk of non-payment without changing his model.
- The guaranteed rental should if what you are looking for is that you do not depend on the solvency of a particular person, that you do not manage anything at all - and that you have nothing to do with them, and that you have nothing to do with them, and that you have to have a fixed income regardless of actual housing employment.
The damage, solved equally with both models
A common doubt is what about damage to housing in every model. In the default insurance, damage cover is usually an optional addition, and does not always include them. At rental guaranteed from Bliss Homes, damage that may be caused by guests during their stay will go to Bliss's office as a tenant and the natural wear as a result of the normal use of housing at The contract's length remains with the owner, exactly as with any rental traditional. Unlike non-payment insurance, housing insurance for rent tourism cover another type of risk.
How does this fit with fiscal reform undergoing processing
If your housing has tourist potential and you are evaluating the guaranteed rental in front of residential rental with default insurance, there's an additional factor to care about: Prosecutor currently under processing at the Congress that would raise the VAT of rental short-stay tourist to 21% and would allow IBI recharges. Can you read the details at VAT from 21% to tourist flats: What To Do. With guaranteed rental, the person who exploits the housing turistically is the company and a tenant, not his or her owner, that leave his or her income out of that impact if his or her reform gets out Go ahead. The extension of advertised rental contracts for 2028, important if you value a long term residential rental.
The model of Bliss Homes
Bliss Homes signs a lease with the owner and pays a monthly fixed income, usually between 60% and 75% residential market rental No. area with an 1 renewable yearThat's about five. It operates housing as half-stay or tourist accommodation, assuming supplies, maintenance, cleaning and guest care. The owner doesn't manage anything and doesn't depend on the solvency of any individual tenant. We have developed this with more details at complete rental guide guaranteed for Owners and we compare with other alternatives at guaranteed rental vs management integral vs Airbnb.
FAQ about default and rental insurance guaranteed
What does a rental default insurance cover?
The monthly benefits that a tenant ceases to pay, usually up to a maximum number of monthly benefits (about 12, according to the policy) after an initial deficit period. Some policies add legal defence for eviction and, in some cases, damage cover. You still have a real tenant: insurance goes into play only if you stop paying.
What's the difference between default and guaranteed rental?
The non-payment insurance protects against a traditional tenant from quitting but the tenant remains with his wear and management. The guaranteed rental removes the figure of an individual tenant: charges from a company and that company broken guests without them having possession of the property as habitual residence.
When does a non-payment insurance suit more than a guaranteed rental?
If you want to maintain a long term traditional residential rental - because you prefer that regime or your housing isn't suitable for tourist use - nonpayment insurance reduces the risk of non-payment within that model. If you seek to have no tenant to manage and a fixed income without dependent on a particular person's solvency, the guaranteed rental resolves a bigger problem.
What percentage of owners prioritize minimizing risks over maximizing profitability?
According to August SEAG data from 2026, about the 70% of leaserents prioritizes minimizing risks rather than maximizing their housing profitability. It's the same profile that both default and guaranteed rental are responded to, but each attacks the risk differently.
If I have guaranteed rent, do I still have to require default insurance?
Not in the traditional sense. The guaranteed rental with Bliss Homes does not depend on the solvency of a private tenant: charges from Bliss as a tenant with a fixed income, regardless of the place of residence by guest.
Do guaranteed rental cover damage to guests?
In the model of Bliss Homes, damage caused by guests during their stay will be performed by Bliss. Natural wear and tear from normal housing use throughout the contract are borne by the owner as with any lease.
How much would you get with guaranteed rent?
Technical visit and economic proposal in writing at 24-48 h. No tenant to manage, no insurance to renew.