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Landlord Protection

by ARAG SE Italia

The insurance protects the legal rights of the landlord and intervenes in the event of unpaid rent.

  • Secure rent: 9 guaranteed monthly payments if the tenant fails to pay.
  • It covers your legal costs and expert fees for claiming compensation for damage caused to the property by the tenant.
  • With Legal Defence, you have a legal professional at your service and your legal and expert witness fees will be reimbursed in the event of criminal or civil disputes.

Calculate the annual cost of your Landlord Rental Protection Insurance

€

Have you already started the process to take out the Landlord Rental Protection policy?

Benefits for landlords

Refund of unpaid rent

With the policy Landlord Rental Protection, we cover up to 9 monthly payments if the tenant fails to pay.

Tenant credit check

To assess creditworthiness, tenants' rent-to-income ratio is evaluated.

Legal protection against damage to the property

In the event of damage to the property or its contents caused by the tenant or a third party, the legal and expert costs necessary to claim compensation for damages are covered.

A legal expert is on hand to answer any questions you may have

Legal advice over the phone to help you understand your rights as a homeowner and answer any questions you may have.

Legal defence guaranteed

The insurance company ARAG SE Italy provides a solicitor for eviction proceedings, criminal defence and property-related disputes.

Download the information pack

For full details of the cover, download the ARAG Landlord Rental Protection Insurance information pack. This product is intended for individuals residing in Italy who are the sole owners of a residential property let for a minimum period of 12 months in Italy.

Download the Information Pack

Immediate cover, 100% online

idealista/seguros

Are you a property owner?

Calculate the annual cost of your Landlord Rental Protection Insurance

One year's rent covered for the cost of approximately half a month's rent.

€

Have you already started the process to take out the Landlord Rental Protection policy?

Have you already started the process to take out the Landlord Rental Protection policy?

We'll send you an email containing a link to pick up where you left off.

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Frequently asked questions about Landlord Rental Protection Insurance

How can you protect yourself against unpaid rent?
The most effective way to protect yourself against defaulting tenants is to take out a specific insurance policy that ensures you get reimbursed for any rent not paid by the tenant. It is also advisable to select the tenant carefully, check their financial records and sign a clearly worded and detailed rental agreement.
What cover does tenant default insurance provide?
Tenant default insurance may include legal defence of the landlord’s rights, for example, in proceedings to recover unpaid rent, as well as cover for the reimbursement of unpaid rent. The cover provided depends on the product taken out, allowing the landlord to choose the level of protection that best suits their needs. The Landlord Rental Protection policy covers up to 9 months’ rent in the event of unpaid rent and offers comprehensive legal defence.
What are the risks for a tenant who fails to pay their rent?
A tenant who stops paying rent may face contractual disputes, damage claims and eviction proceedings initiated by the landlord. The outcome depends on the terms of the rental agreement and current legislation, but non-payment can result in financial liabilities and make it difficult to secure future rentals.
How can you protect yourself when renting out a property?
To rent out a flat safely, you should check the tenant’s creditworthiness, draw up a detailed rental agreement and consider taking out insurance to protect the landlord’s rights in the event of non-payment or damage to the property. This reduces the risks and allows you to manage the rental with greater peace of mind.
What does the Landlord Rental Protection policy cover?
  • Unpaid monthly rent: Once the eviction has been confirmed, the policy guarantees the payment of up to 9 outstanding monthly instalments.
  • Rent recovery and eviction proceedings: Covers legal costs associated with eviction proceedings due to non-payment and the recovery of outstanding rent.
  • Criminal defence: Includes the costs for claims for damage to the property or its contents caused by third parties, including tenants.
  • Protection of property rights and other rights: Covers legal costs in disputes relating to property or other property rights.
Who can take out this type of policy?
Landlords who let residential property and wish to protect their rights and ensure financial security in the event of unpaid rent. The rental contract must be for a term of 12 months or more.
What should I do if my tenant stops paying the rent?
In the case of the Arag Landlord Rental Protection policy, if the tenant fails to meet the deadline set out in the rental contract, the claim must be reported within 30 days of the second unpaid monthly rent becoming due.
Does the insurance also cover damage to the property?
The insurance does not directly cover the damage itself, but it does cover the legal and expert fees required to claim compensation for damage caused to the property or its contents by the tenant or another person.
How long is the insurance policy term?
The insurance is valid for one year and is automatically renewed unless notice of cancellation is given in writing.
Can I take out insurance for a rental contract that is in effect?
Yes, you can take out the policy even if the rental agreement is already in place, provided the tenant is up to date with their payments.
How is the Landlord Rental Protection insurance paid for and to whom?
Payment must be made exclusively via the official idealista/assicurazioni channel, and the premium is paid directly to the insurance company ARAG SE Italy. Under no circumstances should you make payments to private individuals or hand over cash.
Is it mandatory to take out this insurance?
It is not mandatory, but it is recommended to reduce financial risks and protect your investment.

The insurance is provided by the insurer ARAG SE and distributed by idealista/assicurazioni acting as an intermediary.