Report
A tenant or landlord reports a covered problem through one clear channel, creating a reliable record from the start.
A practical path to housing people can afford
Lower the risk.
Lower the rent.
Rental Continuity is a coordinated insurance plan that protects tenants, landlords and the homes they share—so fewer hidden losses have to be built into every month's rent.
Faster repairs
Stable tenancies
Fair risk pricing
The problem is not only rent. It is risk.
Every uninsured loss eventually lands somewhere.
Landlords price expected damage, missed rent, long vacancies, legal bills and emergency repairs into the cost of housing. Tenants pay for that uncertainty even when they are responsible and never cause a loss.
Rental Continuity replaces part of that uncertainty with defined coverage, early intervention and verified performance. The goal is simple: protect both sides well enough that good housing no longer needs such a large risk cushion.
One coordinated system
Problems are handled early—before they become expensive.
Repair or stabilize
An approved handyperson fixes the property, or temporary rent support keeps a qualifying hardship from becoming a default.
Preserve the home
Small problems stay small. The tenancy remains stable, the property stays sound and avoidable turnover is reduced.
How the plan can lower rent
Take costs out of the rent instead of merely arguing about the price.
Rent includes more than the home itself. It also carries a cushion for uncertainty. Rental Continuity is designed to shrink five major cost pressures.
1
Delayed repairsEarly fixes prevent water, electrical and structural problems from multiplying.
less damage
2
Missed rentShort-term coverage can bridge qualifying illness or involuntary job loss.
steadier income
3
Vacancy and turnoverKeeping a sound tenancy costs less than losing it and starting again.
fewer empty units
4
Property damageDefined coverage protects the home beyond the security deposit.
smaller reserves
5
Legal conflictEarly resolution and limited legal coverage reduce costly disputes.
lower friction
Lower riskmore predictable losses
+
Lower costsrepairs before crises
=
Room for lower rentor renewal discounts
The plan does not pretend insurance magically sets rent. It creates measurable savings that participating landlords can pass through as lower insured-unit rents, smaller increases or renewal credits.
Protection in both directions
A fair plan has to work for everyone.
The tenant, landlord and property are evaluated together. Good performance on either side should be recognized—not erased by a one-sided screening system.
A faster path to a safe, stable home
- Report broken items through one accountable system
- Use approved handypersons for covered repairs
- Protect belongings against fire and theft
- Receive limited rent continuity after qualifying hardship
- Build a positive record from verified on-time payments
More confidence in saying yes
- Cover qualifying tenant-caused property damage
- Dispatch vetted contractors and document the work
- Reduce unpaid-rent exposure and avoidable vacancies
- Cover defined legal and lawful eviction losses
- Reward well-maintained homes and responsive management
Maintenance becomes prevention
- Catch small defects before they become major claims
- Track plumbing, electrical, roof and safety conditions
- Create a useful maintenance history for the property
- Coordinate ordinary coverage for fire and other losses
- Use real performance to improve future pricing
A better risk record
Rate the whole relationship—not just the renter.
The plan uses verified performance and property conditions to price risk more accurately. A mere eviction filing should not automatically stain a tenant's record, and a landlord should not receive the same price regardless of repair history.
Tenant: payment and tenancy history
Landlord: repair response and claim history
Property: condition, systems and prior losses
Start focused. Measure everything.
A Rhode Island pilot can prove whether protection lowers housing costs.
The first phase would pair an established insurer with a vetted repair network and participating properties. Results would be measured before expansion.
Repair timeHow quickly are problems resolved?
Tenancy retentionHow many households remain stably housed?
Claims avoidedWhich early actions prevent larger losses?
Rent savingsHow much can verified savings reduce rent pressure?
Straight answers
Common questions
Is this ordinary renters insurance?
No. Ordinary renters insurance remains part of the protection, but Rental Continuity coordinates it with small-repair service, rent-continuity coverage, landlord damage protection and defined legal coverage.
Does the plan guarantee lower rent?
No plan can dictate every market rent. This proposal targets the losses and uncertainty landlords build into rent, verifies the savings, and creates incentives for participating landlords to share those savings through lower insured-unit rents, smaller increases or renewal credits.
Can tenants hire anyone and send the bill?
The strongest model uses an approved repair network and a documented dispatch process. That protects tenants from delay while giving landlords and insurers control over quality, authorization and price.
Would responsible people subsidize bad behavior?
Fair underwriting is central to the plan. Verified payment history, responsible property care, prompt repairs and safer building conditions should earn better terms. Repeated preventable losses should affect the party responsible for them.
Who would offer the coverage?
The practical route is a partnership with an established licensed insurer. The carrier would issue and regulate the coverage while the program coordinates underwriting data, contractors and prevention services.
Housing policy can do more than assign blame
Protect the tenant. Protect the landlord.
Make the home affordable.
Rental Continuity turns shared risk into shared security—and gives Rhode Island a practical way to put downward pressure on rent.
Review the plan again