Pautions
Pautions is a French insurance broker offering the country's first deposit-replacement insurance ("L'Assurance Zéro Dépôt"), enabling tenants to rent without a traditional security deposit while insuring property owners for up to two months of rent. The company distributes through 300+ real estate agency partners to tenants and property owners across France.
- Company typePrivate
- Founded2022
- HeadquartersParis, France
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Pautions does
Pautions, operating under legal entity MVP Partners (ORIAS #21002895), is a French insurance broker that launched in August 2022 with the country's first deposit-replacement insurance product, "L'Assurance Zéro Dépôt." The core product replaces the traditional 1-2 month rental security deposit with a recurring insurance premium (priced at approximately 0.9% of monthly rent, e.g., €6.30/month for a €700 rent), providing property owners with up to two months' rent coverage for property damage while freeing tenants from upfront capital requirements. The platform is built around a self-service digital onboarding flow (app.pautions.fr), a free Provisional Attestation that strengthens rental applications, an optional "Coup Dur" add-on for tenant hardship coverage, and an included Protection Juridique legal coverage layer of up to €20,000. Underwriting capacity is sourced from Wakam (formerly La Parisienne), a European digital insurer operating since 1829.
Pautions monetizes through two streams: recurring tenant subscriptions (monthly or annual) and partner referral commissions paid to real estate agencies on each contract intermediated. The go-to-market combines a product-led digital self-serve motion for tenants with a B2B2C channel motion through 300+ partner agencies, including major French real estate networks (Century 21, Orpi, Guy Hoquet, Laforêt, Stéphane Plaza, Figaro Immobilier) and a strategic partnership with La Boîte Immo (January 2024) for independent agencies. The Partners Pautions program offers technology integration via a widget, co-branded landing page, and API for property platforms. The company is headquartered in Paris, operates with 1-10 employees, has accumulated 4,000+ tenant subscribers and 5,000+ registered users across Metropolitan France and overseas DOM-TOM. As of 2024, new subscriptions are temporarily suspended due to a change of insurance partner while existing subscription contracts remain valid.
Pautions firmographics
Firmographics- Name
- Pautions
- Legal name
- MVP Partners
- Website
- https://pautions.fr
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Pautions is a French insurance broker offering the country's first deposit-replacement insurance ("L'Assurance Zéro Dépôt"), enabling tenants to rent without a traditional security deposit while insuring property owners for up to two months of rent. The company distributes through 300+ real estate agency partners to tenants and property owners across France.
- Ownership category
- akta.pro rank
Pautions industry classification
Industry- Product category
- Rental Insurance
- NAICS
- Insurance Carriers and Related Activities (524)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Renters Insurance (FSAJACAB)
- akta.pro secondary industry
- Landlord / Dwelling Fire (DP) Insurance (FSAJACAD)
Keywords
Where Pautions is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Pautions business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Others
Revenue model
- Monthly Tenant Subscriptions: Tenants pay monthly or annual subscriptions for insurance coverage. For a 700€ rent, the cost is 6.30€/month. Revenue is recurring based on rental duration.
- Partner Referral Commissions: Real estate agencies receive referral commissions for each contract concluded through their intermediation, creating a channel partner revenue share model.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Tenant Monthly Subscription based on rent amount |
| Hybrid | Monthly | Optional 'Coup Dur' coverage for payment default protection |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Pautions product offering
Product offeringCore offering
Pautions sells the Assurance Zéro Dépôt®, an insurance product that replaces the traditional rental security deposit in France. Tenants pay a recurring monthly or annual premium (~0.9% of monthly rent, e.g., 6.30€/month for 700€ rent) instead of an upfront deposit of 1–2 months' rent, and the policy indemnifies property owners up to two months of rent for property damage. The product is underwritten by Wakam and distributed directly to tenants and through the Partners Pautions B2B program (real estate agencies, property portals, software platforms) using widget, landing page, and API integrations, with a free provisional attestation provided to strengthen rental applications.
Product overview
Pautions is an insurance broker operating under MVP Partners (ORIAS No. 21002895), offering a single unified product called the Assurance Zéro Dépôt as the first alternative to the traditional rental security deposit in France. The core insurance product replaces the upfront deposit (typically 1–2 months' rent) with a monthly or annual premium, indemnifying property owners up to 2 months' rent for property damage. It is distributed directly to tenants and through the Partners Pautions program, which offers three technology tools (widget, landing page, API) for real estate agencies, property portals, and software platforms. The product suite includes a free Attestation Provisoire for strengthening rental applications, an optional Garantie Coup Dur add-on covering 1 month of rent in case of tenant hardship, and included Protection Juridique providing up to €20,000 in legal fee coverage for tenants.
Differentiator
Problem solved
Functional benefit
Products and services
- Assurance Zéro Dépôt (Zero Deposit Insurance) Primary insurance product that replaces the traditional rental security deposit for tenants of furnished and unfurnished long-term rentals in France. Tenants pay a recurring monthly or annual premium (~0.9% of monthly rent) instead of a lump-sum 1–2 month deposit, and the policy indemnifies property owners up to two months' rent for property damage. Underwritten by Wakam and distributed through MVP Partners.
- Attestation Provisoire (Provisional Attestation)
Quantifiable outcome
- Saves tenants 495€+ at start of lease compared to traditional deposit
- +2 more outcomes
Companies that use Pautions
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
Pautions technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Pautions partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered flagship, core, major and minor.
- La Boîte ImmoflagshipStrategic partnership announced January 2024 with the first French partner for independent real estate agencies. Joint marketing and distribution of Zéro Dépôt insurance through La Boîte Immo's network.
- Wakam (formerly La Parisienne)coreInsurance partner providing coverage for the Zéro Dépôt product. Wakam is a European digital insurance leader operating in 32 countries with 150+ distribution partners, generating 650M€+ revenue in 2022. Founded in 1829.
- Century 21 FrancemajorMajor real estate franchise network offering Pautions insurance to tenants and property owners through their agency network.
- OrpimajorMajor French real estate cooperative network distributing Pautions insurance through member agencies.
- Guy Hoquet l'ImmobiliermajorReal estate franchise network promoting zero-deposit insurance to clients.
- LaforêtmajorReal estate franchise network distributing insurance solution.
- Stéphane Plaza ImmobiliermajorFranchise real estate network with branded agency locations.
- Figaro ImmobiliermajorMajor French real estate platform and network promoting insurance solution.
- SelectraminorPartnership for downloadable templates (lease contracts, inventory checklists, moving guides) that promote Pautions insurance.
- MVP PartnerscoreParent company and insurance broker registered with ORIAS #21002895. SAS with capital of 4,720,928€. Founded by Naccache Salomon Ariel. Sells Pautions-branded insurance products.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
Pautions competitors and assessment
Company assessmentBroad incumbents
- AXA France: AXA France is a major French insurer offering comprehensive property and casualty products including rental guarantees. As a broad incumbent, it could enter the zero-deposit insurance market directly or through acquisition.
- Allianz France: Allianz France is one of France's largest P&C insurers offering home, landlord, and rental guarantee insurance. It competes indirectly through traditional insurance products that overlap with Pautions' landlord and tenant coverage.
Emerging players
- Unkle: Unkle is a French rental subscription service offering deposit alternatives and tenant services. It overlaps with Pautions on deposit replacement but with a broader renter-focused product suite, making it a partially overlapping emerging competitor.
- Luko: Luko is a French insurtech offering modernized home insurance (now part of AXA). While focused on home insurance rather than deposit replacement, it represents the digital insurance disruption model in France relevant to Pautions' innovation approach.
Direct peers
- Garantme: Garantme is a French fintech offering deposit-free rental solutions with similar tenant insurance model. It is the most direct competitor in France, serving the same tenants and landlords with comparable subscription-based deposit alternatives.
- Visale (Action Logement): Visale is a government-backed rental guarantee from Action Logement serving French tenants and landlords. It competes directly with Pautions for the same security deposit replacement use case, though backed by state funding rather than private insurance.
- SwissCaution: SwissCaution is Switzerland's leading zero-deposit rental insurance provider and the original model that inspired Pautions. It is highly comparable in product structure (subscription-based deposit replacement) and serves a similar role in the rental ecosystem.
Others
- Wakam: Wakam is Pautions' insurance underwriting partner and a major European digital insurer operating in 32 countries. As the carrier, Wakam is a critical enabler of Pautions' product and a strategic supplier rather than direct competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Pautions social profiles
Digital presencePautions compliance and trust
Trust signalCompliance3 records
Pautions financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pautions leadership team
Management profileNumber of profiles
Profiles2 records
Pautions funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pautions 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 Pautions
What does Pautions do?
Pautions sells the Assurance Zéro Dépôt®, an insurance product that replaces the traditional rental security deposit in France. Tenants pay a recurring monthly or annual premium (~0.9% of monthly rent, e.g., 6.30€/month for 700€ rent) instead of an upfront deposit of 1–2 months' rent, and the policy indemnifies property owners up to two months of rent for property damage. The product is underwritten by Wakam and distributed directly to tenants and through the Partners Pautions B2B program (real estate agencies, property portals, software platforms) using widget, landing page, and API integrations, with a free provisional attestation provided to strengthen rental applications.
Is Pautions a public or private company?
Pautions is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Pautions founded?
Pautions was founded in 2022. It employs 1 to 10 people.
Where is Pautions based?
Pautions is headquartered in Paris, France, in the Europe region.
How does Pautions make money?
Two revenue lines are on record. Monthly Tenant Subscriptions are the primary driver. The others are partner Referral Commissions.
Who are Pautions's main competitors?
Broad incumbents on record are AXA France and Allianz France. Emerging players are Unkle and Luko. Direct peers are Garantme, Visale (Action Logement) and SwissCaution. Wakam is listed as an others.
Does Pautions have an API?
Yes. Partners can integrate Pautions' API within their digital ecosystem to customize the customer experience by embedding the Zéro Dépôt insurance directly into their service offering. The API is reserved for experienced partners; the Pautions team studies technical prerequisites upon request.
What industry is Pautions in?
Pautions's product category is Rental Insurance. Its primary akta.pro industry code is FSAJACAB, Renters Insurance, with a secondary code of FSAJACAD, Landlord / Dwelling Fire (DP) Insurance. Its NAICS code is 524 and its SIC code is 6331.