Reenter / Reenter Cover
No deposit. A monthly premium instead.
Reenter Cover replaces the two or three months’ deposit. The tenant pays a share of the rent each month, the landlord is protected for up to three months of unpaid rent and for damage, and the premium falls the longer the record stays clean, like a no-claims discount.
Planned product. Cover will be issued by a licensed insurance partner; the final terms and limits will be in the policy.
COVER
- Monthly rent
- ₺42,000
- Unpaid rent covered up to
- ₺126,000
- Premium (7.5%)
- ₺3,150
- Step
- 4 / 7
- Deposit
- ₺0
Where you start
Your Reenter score sets your starting rate
Three starting points. From there, only your own record moves the rate.
How it changes
Seven steps, reviewed every six months
It works like the no-claims steps on car insurance. Pay on time without a claim and you move up to a lower rate; a paid claim moves you down to a higher one.
- Lowest 4.5% after 18 clean months from the standard start
- Highest 12%; nobody starts there
- Your step moves with you to your next Reenter home
- We tell you a month before your rate changes
Try it
See your premium over three years
Pick a starting score and what happens in each six-month period.
What happens in each period:
Premium rate by period
| Period | Step | Rate | Per month | What happened |
|---|
For comparison, a two-month deposit on this rent would tie up .
Move-in calculator
What you keep on move-in day
Kept on move-in day
Coverage
What Reenter Cover protects
Covered
- Unpaid rent, up to three months of the current rent
- Damage beyond normal wear, checked against the move-in report, up to the policy limit
- Utility bills left unpaid on the landlord’s account at move-out, within the same limit
- Costs of the formal notice and mandatory mediation, within the limit
Not covered
- Normal wear and tear from everyday use
- Damage that was there before the lease, shown in the move-in report
- Building fees (aidat) unless the policy says otherwise
- Earthquake, fire or flood: those are for DASK and home insurance
If something goes wrong
How a claim works
Deadlines for everyone, based on the move-in and move-out reports both sides signed.
- Rent is late
The app reminds the tenant on days 1, 5 and 10. Most late rent is paid here.
- The landlord files a claim
In the app, from day 15 after the due date. The lease and payment record are attached automatically.
- Review
For damage, an inspection within 10 days, compared with the move-in report.
- The landlord is paid
Approved amounts within 30 days, up to the limit.
- Recovery and steps
The insurer recovers from the tenant, with instalments where possible. The tenant moves down a step and pays a higher rate.
Compare
Deposit or Reenter Cover?
| Traditional deposit | Reenter Cover | |
|---|---|---|
| Paid on move-in | 2–3 months’ rent | The first month’s premium |
| Back at the end | Usually, often after an argument | Nothing; it’s a fee |
| Landlord protection | Up to the deposit, fixed in lira | Up to 3 months of current rent, plus damage |
| Over time | Loses value to inflation | Gets cheaper with a clean record |
| At move-out | Disputes over what to keep | Settled on the signed photo reports |
Reenter doesn’t take deposits. The deposit column is there only for comparison.
For landlords
More protection than a deposit, at no cost to you
- Three months of current rent covered, not a deposit fixed in old lira
- Claims handled in the app; approved amounts paid within 30 days
- No deposit to hold, return or argue about
Questions
Reenter Cover, explained
Is Reenter Cover insurance?
Yes. The guarantee will be issued by an insurance company licensed in Türkiye and sold through a licensed channel, as Insurance Law No. 5684 requires. Reenter runs the scoring, payments and claims in the app. Until the partner policy is live, nothing on this site is an insurance offer.
Do I get the premium back when I move out?
No. It is the monthly price of not paying a deposit, like any insurance premium. What you gain is the money you keep on move-in day and a premium that falls the longer your record stays clean.
What happens if I miss rent or leave damage?
The landlord is paid under the policy, and the insurer can then recover that amount from you, the same as with any guarantee. A paid claim also moves you down the steps, so your rate rises: one step for damage, two for unpaid rent. Cover protects the landlord; it doesn’t cancel what you owe.
How is my starting step set?
From your Reenter score, which uses only what you agree to share: rent compared with verified income, time in your job, rental payment history and, with consent, your credit score band. It never uses gender, age, religion, ethnicity, health or criminal records. You see the reasons and can ask a person to review them.
Does my step move with me to my next home?
Yes, for your next home on Reenter. If you are away from Reenter for more than 12 months, you start again from your score.
Can my premium go up without a claim?
The percentage doesn’t. The amount in lira rises when the rent rises at renewal, because the premium is a share of the current rent. That is also why the landlord’s protection keeps up with the rent.
Can a landlord ask for a deposit as well?
No. Homes on Reenter are let without a deposit; Cover is the protection. Reenter doesn’t take or hold deposits.