Rental income, protected
Housing365 coordinates partner-underwritten rent guarantee policies, tenant insurance coordination, and financial qualification validation - so a missed rent cheque does not become a missed mortgage payment. Coverage options are provided by licensed insurance partners; Housing365 handles the qualification and integration with your lease.
What goes wrong without rental protection
One non-paying tenant erases a year of margin
A single extended default at the Landlord and Tenant Board can cost six-to-nine months of rent plus legal fees - enough to wipe out the annual return on a condo unit.
Self-insuring is a gamble
Most individual landlords carry no protection against non-payment. The assumption is "it will not happen to me" - until it does.
Insurance products are hard to compare
Rent guarantee is a niche product with varying exclusions, waiting periods, and coverage caps. Shopping it solo eats hours and ends in confusion.
Policy terms do not line up with the lease
A policy that requires a specific screening standard, a specific lease form, or a specific notice period is worthless if your lease does not match.
How Housing365 coordinates rent guarantee
Housing365 evaluates the applicant against partner rent guarantee underwriting criteria, aligns your lease with the policy requirements, and coordinates issuance. The policy is underwritten by a licensed insurance partner; Housing365 is the coordinator, not the insurer.
Underwriting eligibility review
We map the applicant's screening file against the partner's underwriting rubric - credit band, income ratio, employment stability - before you agree to the policy.
Policy option presentation
Coverage terms, monthly premium, waiting period, exclusions, and claim mechanics explained in plain language before purchase.
Lease alignment
Lease and riders adjusted to match policy requirements - notice clauses, tenant insurance clause, rent due date, and default language.
Tenant insurance coordination
Required tenant contents insurance enforced at lease signing, with proof filed in your portal.
Financial qualification validation
Secondary review of the applicant against rent-to-income and credit thresholds required for coverage.
Policy issuance & storage
Policy documents stored in your portal alongside the lease; renewal reminders issued before expiry.
Claims coordination
If a default occurs, we help you assemble the claim documentation - screening file, lease, notice of default, LTB filing - so the partner can assess quickly.
Step-by-Step Execution
From initial onboarding to final sign-off, every milestone is tracked and visible in real time.
Applicant screened
Tenant Screening runs on the applicant as normal.
Eligibility mapped
Screening file compared against partner underwriting criteria; eligibility confirmed or flagged.
Policy options presented
Coverage, premium, and terms explained; you decide whether to bind.
Lease aligned
Lease and riders adjusted to match policy requirements before signing.
Policy bound
Policy issued by the insurance partner; documents filed in your portal.
Claim support (if needed)
In the event of default, we assemble the claim file and coordinate with the partner.
Who This Service Is Built For
Individual landlords
Owners of one or two units where a single non-paying tenant would materially affect cash flow.
Portfolio owners
Owners of multi-unit portfolios who want predictable income and are willing to trade a small premium for default protection.
Institutional operators
Purpose-built rental operators who need audited rent continuity for investor or lender reporting.
Zero Upfront Retainer Policy
Housing365 does not charge extra to coordinate rent guarantee when bundled with Leasing Services. Policy premiums are set by the insurance partner and disclosed before binding.
Frequently Asked Questions
Everything you need to know about our rent guarantee process, guarantees, and deliverables.
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Ready to Optimize Your Rental Strategy?
Speak with our leasing and property specialists for a complimentary market evaluation.