Insurent Rental Guarantor Service: What is a Guarantor?

What is the Insurent® Lease Guaranty Program?

The Insurent® Lease Guaranty Program is the first and only provider of institutional guarantees on residential leases. The Insurent® Lease Guaranty Program fulfills the need for a guarantor/co-signer when a landlord requires that a tenant have a guarantor or requires significant additional security or prepaid rent by the tenant in order to obtain an apartment.

NYC’s Insurent Lease Guarantor Service: How much is it?

How much is the Guaranty (residual value) fee under the Insurent® Lease Residual Value Policy?
On average, the guaranty fee for U.S. parties will approximate 80% – 90% of a month’s rent. Average guaranty fees for non U.S. parties without U.S. based credit history will approximate 110% of a month’s rent. Your specific fee will depend upon the outcome of a review of your credit and financial condition. Upon execution of the lease, the lease will be guaranteed

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under the Insurent® Lease Guaranty Program.The guaranty fee is per lease, not per person.

Insurent Rental Guarantor Service: What if I don’t have US credit?

Can the Insurent® Lease Guaranty Program assist me if I am an international or US student?
Yes. We qualify a foreign student or U.S. student based on their father (or mother or some relative overseas or here) being a Responsible Party solely on our Agreement. Their father (or some relative overseas or here) would not be a signatory on the apartment lease. The father (or mother or some relative overseas or here) will just need to have a minimum annual income of 50x the monthly rent in their home country or a minimum of cash assets/marketable securities held by them in their home country of 80x the monthly rent. We can also combine parents to meet the above tests. In the event that you fall in that circumstance, please email us at

renter-app@insurent.com so we can guide you through the application process.

NYC Lease Guarantor Service: Requirements?

What are the requirements for parents being Responsible Parties to Insurent?
We qualify a foreign student or U.S. student or a renter whose annual income is less than 27.5x the monthly rent based on their father (or mother or some relative overseas or here) being a Responsible Party solely on our Agreement. Their father (or some relative overseas or here) would not be a signatory on the apartment lease. The father (or mother or some relative overseas or here) will just need to have a minimum annual income of 50x the monthly rent in their home country or a minimum of cash assets/marketable securities held by them in their home country of 80x the monthly rent. We can also combine parents to meet the above tests.

NYC Rental Guarantor Service: What about my credit score?

Can the Insurent Program help me if I have terrible credit?
Unfortunately not. The renter(s) must have decent to good credit to be issued an Insurent Guaranty for their lease.