Covers unpaid rent and the legal costs of recovering possession if your tenant stops paying.
Covers unpaid rent and the legal costs of recovering possession if your tenant stops paying.
Unpaid rentCost of possessionPayments while re-letting
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Rent guarantee insurance pays your rental income if a tenant stops paying, and covers the legal costs of recovering possession. It’s sometimes called rent protection or tenant default insurance.
It’s the one landlord cover that protects your income rather than your building, which matters most when a mortgage still has to be paid.
The right rent guarantee cover depends on:
Monthly rent to be coveredWhether tenants passed referencingType of tenancy agreementWhether legal costs are includedExcess period before payments startNumber of tenancies
Is rent guarantee insurance right for your tenancy?
Is rent guarantee insurance right for your tenancy?
If losing several months of rent would cause you a problem, particularly with a mortgage to service, this is the cover built for that risk.
If losing several months of rent would cause you a problem, particularly with a mortgage to service, this is the cover built for that risk.
Mortgaged Landlords
Where repayments continue regardless of whether the rent arrives.
Single Property Landlords
Where one tenant defaulting removes all of your rental income at once.
New Tenancies
Cover arranged at the start of a tenancy, when referencing is still fresh.
Student & Sharer Lets
Where guarantors and multiple tenants complicate recovering arrears.
Portfolio Landlords
Protecting income across several tenancies under one arrangement.
Agents & Managed Lets
Where an agent arranges cover on the landlord’s behalf.
What could put your rental income at risk?
What could put your rental income at risk?
Arrears rarely arrive with warning, and the possession process means the shortfall keeps growing long after the first missed payment.
Arrears rarely arrive with warning, and the possession process means the shortfall keeps growing long after the first missed payment.
How could arrears affect your finances?
How could arrears affect your finances?
Missed rent is only part of the cost, legal fees and a post-eviction void often add more. Here are four stages and the cover that responds.
Missed rent is only part of the cost, legal fees and a post-eviction void often add more. Here are four stages and the cover that responds.
Fire
A tenant stops paying but remains in the property.
What cover may respond?
Rent Guarantee
Escape of Water
You need to start possession proceedings to recover the property.
What cover may respond?
Rent Guarantee + Legal Expenses
Storm Damage
Arrears keep building throughout a months-long court process.
What cover may respond?
Rent Guarantee
Visitor Injury
You recover possession but face repairs and a further void.
What cover may respond?
Rent Guarantee + Loss of Rent
Buildings insurance protects your property; rent guarantee protects the income it produces. If a mortgage depends on that rent arriving, this is the cover that fills the gap.
This cover may be suitable for:
Landlords with a mortgage to serviceSingle-property landlordsLandlords letting to students or sharersOwners letting through an agentLandlords with multiple tenanciesOwners starting a new tenancyWhat rent guarantee cover includes
What rent guarantee cover includes
Rent guarantee combines monthly payments for unpaid rent with the legal costs of recovering possession, and usually continues for a period after eviction.
Rent guarantee combines monthly payments for unpaid rent with the legal costs of recovering possession, and usually continues for a period after eviction.
Unpaid Rent
Pays your rental income while a tenant is in arrears, usually monthly up to an agreed limit.
Legal Expenses
Covers solicitor and court costs of recovering possession, which often exceed the arrears themselves.
Post-Possession Rent
Many policies continue paying for a period after possession, covering the void while you re-let.
Tenant Referencing
Cover usually requires tenants to pass referencing first, which reduces the risk before it starts.
Loss of Rent
Different cover for a different cause, pays when an insured event makes the property uninhabitable.
Buildings Insurance
Protects the property itself, which rent guarantee does not, most landlords hold both.
How the quote process works
How the quote process works
Simple steps. Expert advice on protecting your rental income.
Simple steps. Expert advice on protecting your rental income.
Tell us about the tenancy
Monthly rent, tenancy type and referencing status.
Choose your cover level
How much monthly rent to cover, and for how long.
We compare specialist insurers
We search insurers offering rent protection.
Get covered and get your documents
Receive your policy documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Rent guarantee insurance guides
Rent guarantee insurance guides
Practical advice on arrears, referencing and recovering possession.
Practical advice on arrears, referencing and recovering possession.
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Rent guarantee insurance FAQs
Rent guarantee insurance FAQs
Straight answers on arrears, referencing and claims.
Straight answers on arrears, referencing and claims.
It pays your rental income if a tenant stops paying, and covers the legal costs of recovering possession. It’s also called rent protection or tenant default insurance.
Still have questions?
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