Plans

Non-payment guarantee: what it covers and what vacancy is not covered

Published November 9, 2026·2 min read

When you rent out a property long term, almost every owner asks two questions: what happens if the tenant stops paying, and what happens if the property sits empty. Havantix offers two plans that answer them differently.

Two plans, two ways of sharing risk

In both, Havantix manages the property during the rental: collections, owner and tenant support, incidents and maintenance. The difference is which risks it assumes.

Plan A: management with non-payment guarantee

  • If the tenant pays: you receive your rent, less the management fee.
  • If the tenant does not pay: while the covered rental is in place, Havantix pays you what was agreed.
  • If the property is vacant: there is no rent and Havantix does not charge the monthly management percentage.

This means Havantix assumes the non-payment risk, but does not cover vacancy. Any additional service during an empty period would require its own agreement.

Plan B: guaranteed rent, also when vacant

Havantix agrees a rent with you and pays it even when the property is vacant. It assumes both the non-payment risk and the vacancy risk. The rent offered is calculated for each property.

What the guarantee is not

The guarantee is a Havantix commitment set out in the management contract. It is not a contracted insurance policy.

What is specified in the valuation and the contract

We do not publish generic terms because every property is different. These elements are specified in the valuation and in the contract for each property:

  • Covered amount.
  • Payment date.
  • Duration.
  • Limits.
  • Tenant requirements.
  • Exclusions.
  • Acceptance of existing contracts.
  • Treatment of expenses.

If your property is already rented

Before accepting a guarantee on an ongoing rental, we review the contract, payments, documentation and condition of the property.

What to be clear about before deciding

  1. Do you want to cover only non-payment, or empty periods too?
  2. What do you need written into the contract?
  3. Is your property vacant or already rented?

If you want us to assess your case, tell us about it and we will explain which plan fits.

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