Safe, guaranteed rent
Rent guarantee insurance pays you after the tenant defaults, with waiting periods and paperwork. Guaranteed rent payment is something else: we sign with you as the tenant and pay a fixed rent into your account at the end of every month, whether the apartment is let or empty.
What it means
Four names for three different things, and the difference shows the month something goes wrong. This is what each one means.
A policy you take out yourself which, if the tenant stops paying, compensates you afterwards: first you have to make a claim, sit out the waiting period and prove it. It covers a set number of months' rent, not always all of them, and an empty apartment isn't covered.
A generic name for any arrangement that backs up payment: a surety, an extra deposit, an insurance policy. What it guarantees depends on what the agreement says, within the legal limits: in a residential lease of up to five years (seven if the landlord is a company), the additional guarantee can't exceed two months' rent and, since 8 October 2026, one month's rent in a temporary let; and since that date the tenant can't be required to take out rent guarantee insurance. The word on its own tells you nothing.
Here it's the company that pays you, not the tenant. That's what we do: we sign with you, become your counterparty and pay the same amount into your account every month. If the apartment is empty or someone doesn't pay us, that's our problem.
Another commercial name for rent guarantee insurance. Check three things before you sign one: how many months' rent it covers, how long its waiting period is and whether it requires a solvency check that could rule out the tenant you already have.
The cap on the additional guarantee and the ban on requiring the tenant to take out rent guarantee insurance are in article 36.5 of the LAU (Spain's Urban Leases Act), as rewritten by article 3 of Real Decreto-ley 29/2026 (Royal Decree-law 29/2026) of 6 October. A word of warning: Real Decreto-ley 29/2026 has been in force since 8 October 2026, but the Congreso (the lower house of the Spanish parliament) must ratify it within the following thirty days, as article 86 of the Spanish Constitution requires. Its predecessor, Real Decreto-ley 26/2026, with the same title, was not ratified and was repealed on 2 October. If this one also lapsed, the previous rules would return, and we'll update this page.
Comparison
The comparison almost nobody puts side by side. No sugar-coating.
| What happens with | Rent guarantee insurance | Guaranteed rent with us |
|---|---|---|
| When you get paid | When the claim is settled | At the end of the month, always |
| Months with the apartment empty | Not covered | Paid all the same |
| Waiting period | Usual, from one to three months | None |
| Cost to you | An annual premium | €0, no fees |
| Who chooses the tenant | You, with the insurer's screening | We do, and we take on the risk |
| Refurbishment and getting it ready | Not included | We cover it |
| Who handles repairs | You | We do |
| If a claim has to be made | The paperwork and deadlines are yours | You don't even notice |
Both options are legitimate, and for some owners the policy is the right fit. We go into it in the guide rent guarantee insurance versus guaranteed rent and in what rent guarantee insurance covers in Zaragoza.
What makes it safe
It isn't a promise: they're three mechanisms you can read in the agreement before you sign it.
Your counterparty isn't a private individual you know nothing about: it's MR Renta y Gestión, with its name on the agreement and two people who stand behind it.
The amount is set before signing and doesn't move for the whole agreement, whether the apartment is full, half empty or undergoing works.
Ongoing maintenance, not just when something breaks: a neglected apartment stops letting, and then we're the ones who lose out.
How it works
No cost until signing and no obligation to continue.
We come at a time that suits you, measure it and tell you frankly what's worth changing and what isn't.
The exact amount, what we cover, what refurbishment we carry out at our expense and the exit terms. One document, no small print.
We take charge of the apartment from the day we sign and you receive your rent at the end of the month, with no fees and no commission.
Common mistakes
The four we've seen most often on a first visit.
Two policies at the same price may cover 6 months or 12, with or without a waiting period. What matters isn't what it costs, it's what happens the month the tenant fails to pay.
Most people work out their return on twelve monthly payments. Counting empty spells between tenants, the odd unpaid month and maintenance, the real figure often ends up at nine.
How and when you get your apartment back has to be in writing from day one. If it isn't, that conversation comes up at the worst possible moment.
A letting agency manages and charges for it, but the risk is still yours. Someone handling the day-to-day doesn't mean someone answers for it if the money doesn't come in.
About us
We're Gonzalo and Nicolás. When you call us, you speak to the people who make the decisions, and the person who signs your agreement is one of us two. We work only in Zaragoza and the surrounding area, and that's deliberate: we can be at your apartment within 24 hours.
Frequently asked questions
The questions that come up on almost every visit, answered plainly.
Look for one that genuinely takes on the risk, not one that just acts as a go-between. At MR Renta y Gestión we sign the agreement as the responsible tenant and pay you a fixed rent in writing, so if the rent goes unpaid or the apartment sits empty, that's on us. We're a local Zaragoza company, with direct contact and a written proposal before you sign anything. You can read genuine reviews from other owners on our home page.
A traditional letting agent finds you a tenant, charges its commission, and the risk of unpaid rent is still yours. A guaranteed rent agency like ours goes one step further: it guarantees you get paid, because we are the ones answerable for the rent. That's why we call it secured rent or guaranteed rent: you sign with MR Renta, receive a fixed amount and forget about the management.
They're different ways of naming what we offer: your rent is secured against non-payment and empty months, and someone negotiates and manages everything for you. In practice, we give you a fixed monthly rent guaranteed by contract and take care of tenants, issues and maintenance. All you do is receive the income each month.
It depends on your home: area, size, condition and whether it's let as a whole or by the room. We won't give you a made-up figure over the phone. We visit your apartment within 24 hours, value it and give you the exact guaranteed rent in writing within 48 hours, free and with no obligation. That figure is what you would receive each month if you decide to sign.
Yes. We work with whole homes as well as room rental, which in Zaragoza often earns more in university areas or near hospitals. Either way, you receive a fixed guaranteed rent and we look after the occupants and the day-to-day management.
For you, absolutely nothing: you keep receiving your fixed rent just like any other month. Your agreement is signed with MR Renta y Gestión, not with the final occupant, so unpaid rent is our problem and we deal with it. That's the difference between a genuinely safe rental and an ordinary one: the risk is no longer on your side.
From the first month of the agreement, with no waiting periods. As soon as we sign, your fixed rent starts counting. Before that, the visit and the valuation are free and with no obligation: you only get paid, and we only commit, once the agreement is signed.
A rental guarantee is any arrangement designed to make sure the owner gets paid even if the tenant stops paying: a bank guarantee, an extra deposit, a guarantor or a rent guarantee insurance policy. They all have one thing in common: the tenant signs the lease, and the guarantee kicks in once they've already stopped paying, with its own deadlines and conditions. We work the other way round: we sign the tenancy agreement as the responsible tenant and pay you a fixed rent in writing, whether the apartment is let or empty, so there's nothing to claim and nothing to trigger. If you'd rather stick with the classic option, we'll tell you at the visit which one suits you best, at no cost.
Rent payment insurance, also called rent guarantee insurance, costs between €306 and €581 a year for a rent of €950 a month and twelve months of cover, according to the comparison the OCU (a Spanish consumers' association) published on 28 September 2026: from 2.7% to 5.1% of the annual rent. The price depends on the rent, the number of months covered and the excess, so compare how much cover you get for every euro of premium. With our guaranteed rent you pay no fee and no commission: we sign with you as the tenant and pay a fixed rent into your account at the end of every month, whether the apartment is let or empty. For the premium the OCU measured across seven insurers, see the clauses to check in rent guarantee insurance.
Contact
We'll call you within 24 working hours to arrange the visit. No obligation and no cost until you sign.
We manage apartments across Zaragoza city and the surrounding area: Centro, Universidad, Delicias, Las Fuentes, Torrero, Casco Histórico, San José, Actur, Almozara, Romareda and every other neighbourhood.
