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Rent guarantees without deposit

Why lock in three months' rent?

Smart rental guarantee

Do you rent an apartment or a house? SmartCaution replaces your rent guarantee, you no longer have to deposit 3 months of rent in a bank account.

How it works?

SmartCaution replaces your rent guarantee and undertakes to pay the debts that might become due to your landlord. In return, an annual premium will be charged.

Your advantages

You retain your money. It remains available for your move or to improve your new living space.

How do you register?

You can register at our offices, with your agency, by mail, by telephone or online and immediately obtain your security certificate.

The SmartCaution rental guarantee is as safe as a bank deposit

Your registration fee from CHF 25.-

Take advantage of our decreasing rates throughout the year

100% Satisfaction

Decreasing premium

No deposit

Register online

The fastest method

Complete our registration form and receive your deposit certificate. The process is guided step by step, simple and fast.

At the end of the process, you make your payment online and we send deposit certificate.

Choose to receive your deposit proposal without obligation by post. You can pay by BVR, (Swiss payment with reference number) card or cash in our premises.

Other registration methods


Contact us on 0842 102 102 (calls are free), a consultant will take care of your registration.

Via your agency

Fill out the SmartCaution form directly with your agency. Return it signed using the prepaid envelope.

Visit us

We welcome you from Monday to Friday from 9:00 am to 12:00 pm and from 2:00 pm to 5:00 pm at 24 route des Acacias, 1227 Carouge.

0 Deposit

+ Easy

+ Fast

- Expensive

Ever since 2007, thousands of tenants have trusted us

Frequently asked questions

What is the deadline for receiving the guarantee certificate?

Your file will be processed immediately. As soon as we receive your application for a guarantee and proof of payment, we draw up your certificate and send it to you by priority mail. Normally, you receive your certificate the next day.

What will be the amount of your premium ?

The first year, the amount of the premium is calculated according to your moving date. The amount is between 25 CHF.- and 120 CHF.- This premium covers the tenant until December 31 of the current year. Each subsequent year, the tenant will need to pay an annual subscription (due for the whole year) fixed at 25 CHF.- + 5% of the sum covered. This premium must be paid in advance, before 1 January of the year concerned.

What happens if I move from my home?

When you move, you must ensure that the agency returns the completed and signed deposit certificate to release the guarantee. You can also take out a new guarantee for your future residence. If your landlord has claims against you and you are unable to pay the sum requested, Generali may advance the amount due, which you will then have to repay in full. As such, remember to contact your liability insurer who could take care of the damages.

Uh oh! I have already locked in my rental guarantee with a bank ...

You can recover your cash at any time by subscribing the SmartCaution SA rental guarantee.

Can I cancel my guarantee?

You can cancel your guarantee at any time and without charge. You just need to provide an equivalent guarantee to your landlord.

Who is the insurer ?

The insurer is Generali, Avenue Perdtemps 23, 1260 Nyon.

Is the SmartCaution SA guarantee accepted by all the agencies?

SmartCaution SA issues guarantees only to partner agencies. If your company does not yet work with SmartCaution SA, contact us on 0842 102 102. We will get in touch immediately.

What are the risks covered by the insurance and what is the scope of the insurance benefits?

Generali responds as a single guarantor of all justified claims based on the lease contract (for residential premises) as designated in the deposit certificate. The benefit is limited to the amount of security indicated in the certificate.

What happens if Generali pays all or part of the sum covered?

The tenant (the insured) has the obligation to reimburse the amounts paid and to pay the expenses and interests in addition.

What are the obligations of the insured?

The tenant (the insured) is required to do everything in his or her power to avoid the landlord (the agency) being obliged to ask for the payment of the rental guarantee.

Who is the policyholder and who is the insured?

Tenants are policyholders and the insured ; landlords are the beneficiaries of the guarantee.

When does policy begin and end?

The beginning of the policy begins on the date indicated on the guarantee certificate. The end of the policy occurs according to the conditions defined in art. 10 of the General Conditions of Insurance.

How are personal data processed?

Generali and SmartCaution SA process the data from the contract documents or the contract process and uses them to calculate the premium, to define the risk, to handle the cases that are entitled to benefits, to for statistical purposes. Both SmartCaution SA and Generali are authorized to transmit tenant data to third parties, such as co-insurers, reinsurers, authorities or third-party companies. This authorization is valid regardless of the conclusion of the contract. The bond application contains a clause whereby the lessee authorizes SmartCaution SA and Generali to process the data required for the examination and management of the contract. SmartCaution SA and Generali guarantee the confidentiality of the received information.


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