At Alpaca Immobilier, we are committed to offering you security, peace of mind and transparency. That is why we have chosen to collaborate with Galian-SMABTP, a leading player in the protection of landlords and real estate professionals. This partnership allows us to offer our clients high-performance Guaranteed Rent Loss (GLI) solutions and PNO insurance (Non-Occupant Owner).
Galian-SMABTP: two leaders united
Galian, a historic specialist in financial guarantees, insurance and legal protection for real estate professionals, recently joined forces with SMABTP, a giant in building and construction insurance.
🎯 Their union creates a solid player, expert in real estate and technical risks, capable of supporting both agencies and landlord owners with tailor-made products.
Key figures :
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Over 30,000 real estate professionals insured
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Over 8 billion euros in guaranteed rent
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A 93% satisfaction rating among insured parties for GLI and PNO products (source: Galian-SMABTP internal survey 2024)
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A review score of 4.7/5 on Avis-Vérifiés with over 400 reviews
Why we chose Galian-SMABTP
We tested several insurance solutions for our landlord clients. Our choice naturally fell on Galian-SMABTP for several reasons:
Reliability
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Galian is a historic player, formerly a FNAIM subsidiary, recognized for the quality of its support and the stability of its commitments.
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SMABTP is a mutual insurance company of reference, financially solid and well-established in the building and real estate sector.
Responsiveness
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Digitalized approval procedures with response within 24 hours.
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Simple claims management with proper support.
Clarity and transparency
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Readable contracts, with no surprises.
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Identified contacts, not an impersonal platform.
Included legal protection
Real assistance in case of dispute, whether facing a tenant in default or a co-ownership issue.
GLI and PNO: Two Essential Protections
🛡️ Guaranteed Rent Loss (GLI)
With Galian-SMABTP's GLI, we offer you coverage:
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Up to 100,000 € of unpaid rent,
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With no deductible,
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Until the tenant's actual departure,
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Coverage for damage and legal costs.
💡 Accepted debt-to-income ratio: 35%, with expanded criteria for previously rejected profiles (students, temporary workers, business owners, etc.).
🏠 PNO Insurance (Non-Occupant Owner) and Home Multiple Risk Insurance (MRH)
An essential insurance, even in the presence of a tenant:
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Coverage of damage not covered by the tenant's home insurance,
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Landlord liability,
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Guarantee for electrical damage, water damage, fire, etc.
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Property guarantee.
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What this means for our clients
As an Alpaca Immobilier client, you benefit from:
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Simplified subscription for your GLI or PNO,
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A negotiated rate among the best on the market,
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Verification of tenant files compliant with Galian's requirements (and no longer hit or miss!),
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End-to-end assistance in case of loss.
A commitment of trust
Choosing Alpaca Immobilier also means trusting professionals who choose the best partners. This partnership with Galian-SMABTP is proof of our commitment to offering services that are serious, efficient and aligned with your interests as a landlord.
📩 Do you have a rental project? A tenant to secure?
Contact us now to learn more about our insurance solutions and discover our personalized support.
