Housing Program Transformation
Designing Saudi Arabia’s First Rental Support Insurance Model
Overview
A national initiative transforming rental default management in the Kingdom—shifting from government support to a sustainable, insurance-backed model. Designed to protect tenants, secure landlords, reduce public spending, and enable a data-driven safety net for 140,000+ renters.
Client
Real Estate General Authority
Year
2025
My Role
Innovation Consultant
The Challenge
Saudia Arabia’s rental market relied heavily on profits from EJAR platform to cover tenant defaults. The Royal Court wanted an alternative option for long-term sustainability of rental defaults.
Methodology
Understanding the Landscape
The Rental Support Program, established by Cabinet Resolution No. 405, assists citizens unable to pay rent. It is funded through the state budget, donations, subsidies, and savings from EJAR.
Understanding the data was key to shifting from government-funded support to a sustainable model. I analyzed and visualized it to uncover gaps, optimize resource allocation, and ensure no renter is left unsupported
On each contract, EJAR collects operational fees, of which 30% can be allocated to the Rental Support Program.
Data Forecast
I performed data and market analysis, and forecasted:
EJAR funds
Number of Defaults
Average Rent
Amount Required for Support
How Might We Design a Sustainable and Efficient Support System
Through different tools, I proposed multiple solutions to move towards sustainable support system.
Approved Solution by MOH
An insurance policy owned by the Authority that covers a specific percentage according to agreed-upon terms.
Analyzing Insurance Options
Higher brackets (20K+) represent just 10% of beneficiaries but consume over 30% of the funds.
This analysis informed an optimal insurance coverage limit of up to 35,000 SAR.
Impact Achieved
This initiative will establish Saudi Arabia’s first rental insurance model, modernizing default risk management and setting a global benchmark.
65% reduction in expected government spending
Growing number of renters covered sustainably
50,000+ cases modeled for real-risk pricing
Clear, data-driven direction provided to ministers
Framework ready for national rollout