Landlord rent insurance, also known as rent protection insurance, provides peace of mind by safeguarding your income if a tenant fails to pay their rent.

In today’s uncertain economic climate, with the cost of living rising and rent defaults becoming increasingly common, securing rental guarantee insurance has never been more important. It offers vital financial protection, helping landlords maintain stability and confidence even when the unexpected occurs.

As a landlord, protecting your rental income is essential. When a tenant falls into arrears or breaches their tenancy agreement, legal costs can escalate quickly. Landlord rent guarantee insurance provides vital protection by covering professional fees, helping you safeguard your income and avoid unexpected financial strain.

Is rent guarantee insurance included in my buildings and contents insurance?

While some buildings and contents insurance policies may include limited cover for loss of rental income, this protection is usually restricted. In most cases, it only applies if your property becomes uninhabitable due to an insured event such as fire, flood, or escape of water, or following specific changes in tenant circumstances. It does not typically protect you against rent arrears.

That’s why having dedicated rent guarantee insurance is such an important part of protecting your property investment. 

What does landlord legal expenses & rent guarantee insurance cover?

Non-payment of rent can be an extremely stressful experience for landlords. Evicting a tenant is never an easy decision, particularly in the current financial climate. Landlord rent protection insurance helps ease this burden by providing financial support when rent is missed.

By covering rent arrears and associated legal expenses, this insurance gives you valuable breathing space—allowing time to understand your tenant’s situation, explore solutions, and agree on the best course of action without immediate financial pressure

What does rent guarantee insurance cover?

Breach of tenancy agreement
Up to £50,000 per claim to cover the cost of professional fees incurred when pursuing a tenant who has breached the terms of their tenancy agreement.

Pursuit of rent arrears
Covers the legal and professional costs associated with pursuing rent arrears that begin during the policy period.

Rent arrears guarantee
Provides cover for unpaid rent of up to £2,500 per month, for a maximum of 6 or 12 months, depending on the policy selected.

Eviction
Covers the costs associated with evicting anyone occupying your property without your permission.

Legal defence
Covers the cost of defending civil or criminal proceedings arising from any act or omission related to your ownership or management of the property.

How much is rent guarantee insurance?

Protecting both your rental income and your property investment is often more affordable than you might expect. Speak to our team today to find out how rent guarantee insurance can provide you with peace of mind and reliable financial protection.