> ## Documentation Index
> Fetch the complete documentation index at: https://developers.vivara.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

> Request a non-payment insurance policy for the landlord's property, once you have chosen a tenant.

Non-payment insurance protects the landlord if the tenant stops paying the rent. Once you have chosen a tenant, you can request the policy for the landlord's property through Vivara. The insurer assesses the tenants, the landlord and the property, and decides whether to issue it.

Everything you do for one rental happens on a **case**. You create the case yourself by choosing its id, a UUID v4, so you can trace it end to end.

## How it works

**1. Open the case**

Send the tenant, landlord, property and contract data with `POST
        /non-payment-insurance/cases`. Read the case with `GET` to see the offer and
the documents the insurer requires. No documents are needed yet.

**2. Upload the required documents**

Send each document listed in `documentation.missing`. Documents are stored
until you issue the policy. When nothing is missing, the case is
`ready-to-issue`.

**3. Issue the policy**

Send the landlord's details and the bank account. Vivara requests the
issuance and, when the offer is conditioned, sends the insurer every
document merged into a single PDF.

**4. Track the outcome**

Poll the case until it is `policy-issued` or `rejected`. Once issued, the
case carries the policy number and the policy documents.

## Before you start

* **You need a chosen tenant.** The policy is requested for one rental: one property, one landlord and the tenants who will live there, with their guarantors if any. A case holds between one and four people.
* **Every tenant and guarantor is assessed.** Send the data and documents of each person on the rental contract, not only the main tenant.
* **A good tenant score helps, but it is not enough.** The insurer runs its own checks. See [Tenant scoring](https://developers.vivara.io/tenant-scoring/overview.md).

## In this section

> [card] [Get a quote](https://developers.vivara.io/non-payment-insurance/get-a-quote.md)
>
> The data the quote needs and what it returns.

> [card] [Provide pending documents](https://developers.vivara.io/non-payment-insurance/pending-documents.md)
>
> Which documents the insurer may ask for, and how to send them.

> [card] [Request the policy](https://developers.vivara.io/non-payment-insurance/request-the-policy.md)
>
> What you need to issue the policy, and what happens next.

> [card] [Track status and policy number](https://developers.vivara.io/non-payment-insurance/track-status.md)
>
> The statuses of a case, and how to poll them.


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