Renting without a deposit? With CEE Specialty and AON, it’s simple.
When searching for a new home, tenants often face the requirement to pay a deposit equal to one to three months’ rent. This amount can represent a significant financial burden, especially for those moving for the first time or managing a limited budget. As of August 2025, we have established a new partnership with insurance partners CEE Specialty and AON, allowing tenants to move in without the need to pay a rental deposit.
The new rental guarantee insurance model replaces the traditional deposit with a simple insurance policy. Tenants save cash upon moving in while ensuring a fair and transparent arrangement for both parties.
-webp.webp)
How does it all work?
1| Signing the agreement
When signing the lease, the tenant simply signs one additional document — the rental guarantee insurance.
2| Paying the annual fee
Instead of tying up thousands in a deposit, the tenant pays an annual fee of 7% of the standard deposit amount (typically equivalent to two months’ rent). This represents only a fraction of the usual upfront costs.
3| Moving in
Everything is taken care of — the tenant doesn’t have any funds frozen with the landlord and can settle in comfortably.
4| Easy claims handling
If any issue arises during the tenancy (e.g., damage or unpaid rent), the insurance company compensates the landlord directly. Afterwards, the insurer requests reimbursement from the tenant — ensuring fairness and simplicity for everyone involved.
What’s the cost of the service?
The annual insurance premium is 7% of two months’ rent, payable at the start of the lease (minimum annual premium CZK 3,500).
This new service from AON and CEE Specialty brings a modern standard of comfort and accessibility to rental housing – fewer worries, more freedom.
What are the main benefits?
No deposit, no delays – move in faster with lower upfront costs.
More financial flexibility – keep your savings for what truly matters.
Simple process – just sign the rental guarantee insurance, no extra paperwork.
Security for both sides – in case of damage, the landlord receives immediate compensation from the insurer.
Renting without a deposit is an effective way to simplify the rental process for both tenants and landlords. Tenants gain financial flexibility, while landlords benefit from security and protection of their investment. This model has already proven successful abroad — and is now available in the Czech Republic, offering a new, modern approach to renting.