Answer
Violation of the lease terms can lead to consequences under the guarantee, including being blacklisted by insurance companies. This is especially risky if the tenant stops paying or leaves without following an agreed procedure.
If a tenant leaves early and no replacement tenant is found, the insurance company may compensate the owner until a replacement is found, but this does not make the situation cost-free for the former tenant. The guarantee provider protects the landlord and may continue to pursue claims.
Violations also include late payments, unauthorized subletting, damage, and using the property for purposes other than intended. Potentially disputed matters should not be handled unilaterally: the terms, notices, and date on which obligations end should be documented in writing.