Garentii
Garentii is a Munich-based insurtech (founded 2021) offering digital rental deposit guarantees that replace cash deposits with insurance-backed surety bonds for tenants and landlords in Germany and Austria, backed by A+-rated reinsurers and a €1.9M seed round from Greenlight Re Innovations.
- Company typePrivate
- Founded2021
- HeadquartersMunich, Germany
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What Garentii does
Garentii is a Munich-based insurtech founded in 2021 that operates a digital rental deposit guarantee platform under the German legal framework of §350 HGB. The company replaces traditional cash rental deposits (typically 3 months' rent) with insurance-backed surety bonds, allowing tenants in Germany and Austria to avoid upfront cash outlays while landlords retain equivalent protection paid on first demand. The platform serves private tenants (subscriptions from €3.00/month), commercial tenants (2% of deposit per year, coverage up to €300,000), landlords and property managers (free deposit management portal), real estate agents and brokers (referral commissions), and corporate employers (employee benefits). Core products include the residential Garentii guarantee, the Garentii Commercial product, the unified Garentii App, and the Know Your Renter (KYC) tenant screening add-on, with Garentii Home Care (handyman referral) in build-out.
Underwriting capacity is provided by A+ A.M. Best-rated reinsurance partners Arise Health and Accelerant, with strategic backing from Greenlight Re Innovations, the venture arm of Nasdaq-listed Greenlight Re, which led a €1.9 million seed round in June 2022. The technology stack includes tenant KYC automation, digitally executed surety bonds, and API integrations with major property management systems (SAP, MRI, Yardi, StarRez) supporting white-label distribution. Distribution combines a self-serve product-led tenant onboarding motion (2-minute application, instant approval) with a B2B sales-assisted motion targeting landlords, property managers, agents, banks, employers, and property portals, supplemented by affiliate and agent commission programs.
The company's revenue model is primarily subscription-based: recurring tenant fees sized to the deposit amount and risk profile, plus commercial premiums priced as a percentage of coverage. The firm holds an insurance intermediary license under §34d GewO and is registered in the German Vermittlerregister (D-BR4G-CZJN3-27). As of the available data, Garentii operates with 1-10 employees from its Munich headquarters, having launched three product extensions (Commercial, KYC, Home Care) and expanded into Austria since founding.
Garentii firmographics
Firmographics- Name
- Garentii
- Legal name
- Garentii GmbH
- Website
- https://garentii.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Garentii is a Munich-based insurtech (founded 2021) offering digital rental deposit guarantees that replace cash deposits with insurance-backed surety bonds for tenants and landlords in Germany and Austria, backed by A+-rated reinsurers and a €1.9M seed round from Greenlight Re Innovations.
- Ownership category
- akta.pro rank
Garentii industry classification
Industry- Product category
- Rental Deposit Insurance
- NAICS
- Insurance Carriers and Related Activities (524)
- SIC
- Surety Insurance (6351)
- akta.pro primary industry
- Notary / Bail / Miscellaneous Consumer Bonds (FSAJAIAK)
Keywords
Where Garentii is headquartered
LocationHeadquarters
- HQ city
- Munich
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
Garentii business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Tenant Subscription Fees: Monthly or annual subscription fees paid by tenants for deposit guarantee coverage. Fees are calculated based on deposit amount and depend on individual risk assessment. Non-refundable contributions.
- Commercial Tenant Premiums: For commercial tenants, pricing is 2% of total deposit amount per year, with coverage up to €300,000. Premiums are tax-deductible for businesses.
- Affiliate Referrals: Commissions paid to affiliates, agents, and brokers for tenant referrals who complete deposit guarantee enrollment.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Private tenants - from €3.00/month |
| Subscription | Annual | Commercial tenants - from 2% of deposit per year |
| Subscription | Monthly | Deposit replacement for existing deposits |
Go-to-market motion3 records
Distribution channels7 records
Marketing channels7 records
Garentii product offering
Product offeringCore offering
Garentii sells insurance-backed rental deposit guarantees that replace traditional cash security deposits (up to 3 months' rent for residential and up to €300,000 for commercial) with digital surety bonds issued under §350 HGB. Tenants pay recurring subscription fees (from €3.00/month private, 2%/year commercial) in lieu of locking up cash, while landlords retain first-demand payment protection with claims paid within 48 hours. The offering is delivered through a self-serve platform with integrated KYC tenant verification, a landlord management portal, and API integrations with property management systems such as SAP, MRI, Yardi, and StarRez.
Product overview
Garentii operates as a multi-product rental fintech platform offering insurance-backed deposit guarantee products for both residential and commercial tenants in Germany. The core platform consists of two main deposit guarantee products: the residential Garentii Mietkautionsbürgschaft and the commercial Garentii Gewerbliche Mietkaution. These are unified under the Garentii App — an all-in-one tenant and landlord management platform that handles policy administration, payments, claims filing, and real-time notifications. Adjacent modules include Garentii Know Your Renter (KYC), a tenant screening and risk management add-on for landlords; Garentii Home Care (coming soon), a handyman services platform; and B2B partner programs including an affiliate program and agent commission scheme. All residential and commercial deposit products are underwritten through insurance partners including Arise Health and Greenlight Re.
Differentiator
Problem solved
Functional benefit
Brands
- Know Your Renter (KYC): All-in-one tenant risk management and screening service for landlords and property managers.
- Garentii Home Care
Products and services
- Garentii Residential Rental Deposit Guarantee (Mietkautionsbürgschaft) Insurance-backed digital surety bond that replaces the residential cash security deposit (up to 3 months' rent) with a monthly or annual subscription. Tenants in Germany and Austria avoid paying a lump-sum cash deposit while landlords receive equivalent legal protection with payment on first demand and claims paid within 48 hours.
- Garentii Commercial Rental Deposit Guarantee (Gewerbliche Mietkaution) Commercial deposit guarantee for businesses renting office, retail, or industrial space in Germany. Coverage up to €300,000, priced at 2% of total deposit amount per year, with tax-deductible premiums and no impact on the tenant's credit lines.
- Garentii App (Tenant and Landlord Platform)
Quantifiable outcome
- Tenants save up to 3 months' rent by replacing cash deposit with small monthly fee
- +3 more outcomes
Companies that use Garentii
Customer profileNamed customers7 records
Segments6 records
Ideal customer profiles5 records
Garentii technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability5 records
Feature4 records
Garentii partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered major and minor.
- GrandCityProperty (GCP)majorLarge German property management company using Garentii for deposit alternatives across their residential portfolio.
- YugomajorStudent housing provider using Garentii to offer deposit-free renting to students. Testimonial from Country Manager Frederieke Richter.
- BasecampmajorStudent housing operator offering Garentii deposit alternative to student tenants.
- Poha HouseminorColiving operator using Garentii for deposit-free rental options.
- CrescoRealEstate (Neonwood)minorReal estate developer using Garentii for deposit management in new developments.
- Digital Real Estate Association (DREA)minorAustrian PropTech association partner for digital real estate industry collaboration.
- German Platform for Technology and Innovation (GPTI)minorGerman PropTech association partnership for technology and innovation in real estate.
- German Property Federation (ZIA)minorGerman real estate association (Zentraler Immobilien Ausschuss) for industry representation.
- The Class FoundationminorColiving conference and industry network partnership.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Garentii competitors and assessment
Company assessmentDirect peers
- Kautionsfrei: Kautionsfrei is a German deposit guarantee provider offering tenants a cash-deposit alternative backed by an insurance surety bond. It is the closest direct competitor to Garentii in the German residential rental deposit replacement market, with a similar subscription-pricing model.
- Deutsche Kautionskasse: Deutsche Kautionskasse specializes in German rental deposit guarantees (Mietkautionsbürgschaft), serving both private and commercial tenants. It is a direct peer offering an overlapping surety-bond-based product in the same regulatory framework.
- Rhino: Rhino is a US-based insurtech offering security deposit alternatives and renters insurance products to tenants via partnerships with property managers and landlords. It is a direct functional peer serving the same tenant/landlord deposit-replacement use case with an insurance-backed model.
- TheGuarantors: TheGuarantors provides surety bonds and insurance products for the rental housing market, including deposit guarantees and lease guarantees. It is a direct peer with an overlapping surety-bond-based product targeted at US landlords and tenants.
- Jetty: Jetty is a US deposit alternative and renters insurance provider offering deposit replacement bonds to tenants through property manager partnerships. It is a direct peer competing in the same product category with embedded distribution into real estate operators.
- MieterEngel: MieterEngel offers German tenants a deposit guarantee product backed by an insurance partner, providing similar cash-deposit replacement functionality. It is a direct peer competing in the same Mietkautionsbürgschaft category with comparable subscription pricing.
Broad incumbents
- Lemonade: Lemonade is a publicly listed US insurtech offering renters insurance, homeowners, pet, and life insurance via a digital-first platform. It is a broad incumbent in the insurtech space relevant to Garentii as a comparable digital insurance distribution and underwriting model.
Emerging players
- Friday Insurance: Friday is a German digital insurer offering liability, household contents, and other consumer insurance products. It is an emerging player in the German insurtech landscape with overlapping digital distribution and consumer insurance capabilities relevant to Garentii.
- Hepster: Hepster is a German insurtech offering embedded, on-demand micro-insurance products (e.g., for bikes, electronics, travel) through a B2B2C platform. It is an emerging peer relevant to Garentii as a comparable German embedded insurance distribution and white-label platform.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Garentii social profiles
Digital presenceGarentii compliance and trust
Trust signalCompliance2 records
Garentii financial estimates
Financial estimateRevenue estimate
Valuation estimate
Garentii leadership team
Management profileNumber of profiles
Profiles3 records
Garentii funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Garentii M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Garentii
What does Garentii do?
Garentii sells insurance-backed rental deposit guarantees that replace traditional cash security deposits (up to 3 months' rent for residential and up to €300,000 for commercial) with digital surety bonds issued under §350 HGB. Tenants pay recurring subscription fees (from €3.00/month private, 2%/year commercial) in lieu of locking up cash, while landlords retain first-demand payment protection with claims paid within 48 hours. The offering is delivered through a self-serve platform with integrated KYC tenant verification, a landlord management portal, and API integrations with property management systems such as SAP, MRI, Yardi, and StarRez.
Is Garentii a public or private company?
Garentii is a private company. It is classified as venture growth investor backed and is currently operating.
When was Garentii founded?
Garentii was founded in 2021. It employs 1 to 10 people.
Where is Garentii based?
Garentii is headquartered in Munich, Germany, in the Europe region.
How does Garentii make money?
Three revenue lines are on record. Tenant Subscription Fees are the primary driver. The others are commercial Tenant Premiums and affiliate Referrals.
Who are Garentii's main competitors?
Direct peers on record are Kautionsfrei, Deutsche Kautionskasse, Rhino, TheGuarantors, Jetty and MieterEngel. Lemonade is listed as a broad incumbent. Emerging players are Friday Insurance and Hepster.
Does Garentii have an API?
Yes. Garentii offers a partner-facing API (API-Schnittstelle) that enables property management companies to automate the deposit guarantee process and integrate Garentii's landlord management platform with their existing property management systems. Integration is available via full API integration (for maximum automation) or link integration (for limited IT capacity). The KYC product also offers both full API integration and link-based integration options for tenant screening workflows.
What industry is Garentii in?
Garentii's product category is Rental Deposit Insurance. Its primary akta.pro industry code is FSAJAIAK, Notary / Bail / Miscellaneous Consumer Bonds. Its NAICS code is 524 and its SIC code is 6351.