Rent guarantee insurance for Accra landlords – enable monthly payments safely.
Renters in Accra and African cities must pay 1-2 years' rent upfront due to deep trust issues, locking away capital needed for business and causing weeks of exhausting, unreliable house hunting.
Platform underwrites rent default risk for verified renters, charging premium. Landlords get coverage; renters pay slightly higher but avoid upfront. Claims processed via app evidence upload.
Entrepreneurs, returnees, diaspora professionals, and startup communities relocating to Accra and other African cities
Data-driven risk scoring from expat profiles, lowest premiums for African market.
friendly
Score renters based on profile data.
Landlords buy coverage per property.
Upload evidence for defaults.
Auto-approve simple claims.
View coverage status.
Dynamic pricing tool.
Track open claims.
API for listings sites.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| type | text | No |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| landlord_id | uuid | No |
| renter_email | text | No |
| property | text | No |
| coverage_amount | int | No |
| premium | int | No |
| status | text | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| policy_id | uuid | No |
| evidence_url | text | Yes |
| status | text | No |
| payout_date | timestamp | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| renter_email | text | No |
| score | int | No |
| factors | text | Yes |
Relationships:
/api/policiesIssue policy
/api/risk/:emailGet risk score
/api/claimsFile claim
/api/policiesList user policies
No policies
$5k coverage
None
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 120 | 0.8% | $32 | $384 |
| Month 6 | 900 | 2.5% | $1,125 | $13,500 |
Low-cost guarantees for landlords. Renters get flexible terms instantly.
Advertise in landlord Facebook groups in Accra; cold email from meqasa listings; offer discounted first policies to 10 via LinkedIn real estate pros.
Nigeria focus
No insurance
GH-specific guarantees
Claims data moat for better scoring; partnerships with insurers.
Insurtech growth in Africa; post-COVID defaults up 30%.
High claim ratios
Reinsurance + conservative underwriting
Insurance licensing
Start as facilitator, partner licensed
Adoption slow
Free trials
Success: 15 WOY
Success: 2 paid
Success: 10 policies
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