Solutions → urban rental
Urban Rental & Housing
Tenant liability, deposit liquidity and connected-home risk. The worked example a property-management or short-to-mid-term rental platform would configure: one mandatory tenant-liability layer priced into every lease, and four optional modules a tenant switches on individually.
The rate card
Exactly what GET /api/v1/verticals returns for urban_rental
today. Your own rates replace these; the shape does not change.
Base layer — mandatory
- Tenant Fire & Water Liability — €3.50/month. Statutory tenant liability for fire and water damage. Forced on server-side regardless of what a client sends.
Optional components
- Security Deposit Liquidity Swap — €4.00/month. Instant deposit substitution in place of locked-up cash.
- Landlord Dispute Legal Defense — €1.00/month. Defense fund for disputes over rent, repairs and termination.
- Roommate / Sublet Liability — €1.50/month. Extends tenant liability to co-tenants and approved sublets.
- Smart-Home / IoT Failure Cover — €2.00/month. Failure of connected appliances and resulting consequential damage.
Who actually configures this one
Read straight off the components above, not a persona invented for this page.
Property-management platforms
Tenant liability priced into onboarding rather than left to a tenant's own home insurance, which frequently does not cover a rented unit correctly.
Deposit-alternative fintechs
The liquidity swap module is the product itself for a deposit-replacement platform, priced and sealed the same way every other component is.
Co-living and flat-share operators
Roommate and sublet liability closes the gap standard tenant cover leaves for anyone who is not the named lease-holder.
A real request
Base layer plus deposit liquidity swap and smart-home cover: €3.50 + €4.00 + €2.00 = €9.50. No key, no account — recording the quote in the ledger is a separate decision that needs one.
curl -X POST https://api.riskrouter.eu/api/v1/quote \
-H 'Content-Type: application/json' \
-d '{
"active_vertical": "urban_rental",
"selected_components": { "deposit_liquidity_swap": true, "smart_home_iot": true }
}'The two selected addons total €6.00, plus the €3.50 mandatory base layer —
quote.totals.total_monthly_premium comes back "9.50", computed
server-side, never a value the client sent.
Other verticals
Urban Mobility →
E-bike, scooter, car-share and on-demand fleet exposure.
Digital Nomad →
Cross-border remote work, client liability and device exposure.
Micro-Travel & Sports →
Short-haul multi-modal transit and seasonal sports exposure.