What exactly does RLI do? +
RLI is a one-year insurance policy that you purchase at lease signing. The policy guarantees your landlord that your rent will be paid for the full term. That guarantee is what lets a landlord approve an application that would otherwise be denied because of a low credit score or thin credit file.
Is this a loan? Will it hurt my credit? +
No — it's an insurance policy, not a loan. Applying only involves a soft credit check, which does not affect your score. Once your policy is active, we report every on-time rent payment to Experian, Equifax, and TransUnion — so RLI actually builds your credit rather than hurting it.
How much does it cost? +
Premiums range from 2% to 8.5% of your annual rent, priced by your credit range. You can pay upfront or spread the cost across your lease term. Use the calculator above to get your exact number — no signup required.
What happens if I can't pay rent one month? +
Contact us immediately. We work with you on a short-term plan (grace period, payment schedule, or advance against the policy) before the landlord ever sees a missed payment. If you ultimately default, we pay the landlord and work out a repayment plan with you — at rates far below collections.
Does my landlord have to accept RLI? +
We issue a certificate your landlord can verify in under a minute — the same way they'd verify any insurance. Most property managers recognize the value immediately: a financially guaranteed lease is more attractive than an extra month of deposit. We also work directly with national PMCs; check the landlord directory when you apply.
What if my score goes up during the lease? +
That's the goal. A completed RLI term typically moves scores up 40–80 points. When you renew or move, you may not need RLI at all — or you'll qualify for a lower rate band. We call it a graduation path.
Who's behind RLI? +
RLI is offered by Woodbridge Insurance LLC, a licensed specialty insurer headquartered in Martinez, California. Coverage is reinsured through an A-rated reinsurance tower. Full licensing and regulatory disclosures are listed in the footer.
