About Us

PandaGuarantee grew out of our experience in student housing, where we watched hundreds of dependable tenants pay rent on time for years. When they left to sign their own leases, they often asked us why they had to pay guarantor fees.

We could see from our own experiences that those fees didn't accurately reflect their risk, and we started PandaGuarantee to offer a fairer, more affordable alternative.

Our Goal

Mediate the relationship between renters and landlords. In the aggregate, renters are reliable and will pay rent on time. In fact, that truth is the mathematical foundation of our business. But because even a small number of defaults can be costly, landlords often have to apply conservative screening standards that exclude otherwise qualified applicants. By insuring landlords against tenant default, PandaGuarantee enables landlords to accept edge-case applicants that they would have otherwise turned away.

PandaGuarantee by the Numbers

PandaGuarantee by the
Numbers

29,000+

Units covered nationwide

2 Day

Claims paid—even before move-out

$400+

Average tenant savings per bond

33 States

Licensed and ready to cover

What We Stand For

Built on Three Simple Promises

Built on Three Simple
Promises

Protection Without Excuses

Every policy is backed by a licensed surplus lines carrier. When a claim is valid, it gets paid — no fine-print gymnastics, no chasing.

Speed That Respects You

Vacancies cost money every day. Applications are processed same-day and approved claims are paid within five business days.

A Fairer Look at Renters

Thin credit isn’t bad credit. We look at real income and real behavior, so great tenants stop being turned away for the wrong reasons.

Our Story

From One Bad Rejection to 29,000 Doors

From One Bad Rejection to
25,000 Doors

2023

The premiums that started it all

Our co-founder saw yet another a high-income international student quoted a guarantor price that didn't reflect real risk. We started sketching an insurance product later that week.

2024