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What is rent guarantee insurance
Landlord rent guarantee insurance is a type of cover that can help protect you against rent default by your tenant if they are unable to pay to live at your property.
Rent guarantee insurance with legal expenses cover can also protect you against potential court costs or repossession fees should you need to evict your tenants.
It can take up to six months to successfully complete an eviction. Rental guarantee insurance can help you recover income lost due to rent defaults and certain costs incurred during the eviction process.
What does rent guarantee insurance cover?
Landlord rent guarantee insurance typically covers you for rent defaults incurred when your tenants don’t pay their rent. More specifically, this type of insurance can cover you for:
- Rent arrears: Rent guarantee insurance can protect you against rent defaults, which usually offers cover for up to £2,500 per month over 12 months.
- Landlord legal expenses: Rent guarantee insurance can also cover certain legal costs associated with the recovery of your property.
Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.
What is not covered?
For your reference, these are some common areas that landlord rent guarantee insurance might not provide cover for:
- ‘Void periods’ when between tenants. Whether you successfully evict a tenant or they leave willingly, you usually have to cover the costs of running your property until you’ve found a suitable replacement.
- Tenants that haven’t been suitably background checked before signing a rental contract. If you fail to carry out ‘right to rent’ and credit checks, your policy likely won’t be legally binding.
This is not an exhaustive list please see your documentation for conditions and policy exclusions.
How much does rent guarantee insurance cost?
Your rent guarantee insurance cost will depend on the level of excess you are willing to pay. We have the following price options available, including Insurance Premium Tax (IPT):
- £260 for a policy with no excess
- £210 for a policy with 1 month’s excess
Why choose Just Landlords for rent guarantee insurance?
- Rated ‘Excellent’ with over 1,000 reviews on Trustpilot*
- We have an in-house customer service team based in Nottingham
- Our specialist team is available to assist by phone, LiveChat, or email
- We have over 25 years of experience providing insurance to landlords
*Correct as of September 2025
Get a quote online or call us on 0808 168 9220.
FAQ
Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.
Can I transfer my rent guarantee policy to a different property?
You can’t transfer an existing rent guarantee policy to a different property. You will need to set up a new policy for each rental property you own.
Is there a minimum tenancy length required?
While there is typically no minimum requirement, to qualify for rent guarantee insurance, your tenants must have a valid tenancy agreement in place.
What happens if my tenant abandons the property?
This scenario is not covered unless specific conditions are met. The policy provides cover for:
- Eviction proceedings and
- Rent arrears, but only if the landlord is actively pursuing legal action to evict the tenant.
In the case of abandonment:
- If the tenant leaves without formal eviction and no legal action is pursued, rent protection cover does not apply.
- Rent is only payable while the tenant (or unauthorised occupant) remains in occupation of the insured property and eviction is being pursued.
Can you take out a rent guarantee policy mid tenancy?
Yes. In most cases, it’s possible to secure a suitable rent guarantee insurance policy mid tenancy, as long as all the necessary requirements are also met, such as tenant background checks before the tenancy began.
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- Gallagher – Just Landlords is a trading name of Arthur J. Gallagher Insurance Brokers Limited. Part of the Arthur J. Gallagher & Co group of companies.
