Rent Guarantee Insurance

All landlords run the risk of tenant rent default, so what would you do if your tenant didn't or couldn't pay the rent? Give yourself complete peace of mind and proceed with our Rent Guarantee Insurance.

Rent Guarantee Insurance

To help provide peace of mind if your tenants can’t or won’t pay the rent.


Rent Guarantee Insurance from Just Landlords

If you are a landlord who lets a residential property, then you always run the risk of rent default by your tenant. Even if you have had the best checks and references carried out, you can never predict a tenant falling on hard times or losing their job or becoming ill and then not being able to pay the rent.

Would you be able to cover your expenditure and costs over a prolonged period of time if this happened to you?

In the current economic climate, many landlords are finding their rent default rates increasing, as many tenants struggle with unemployment, lower salaries and increased bills.
At Just Landlords, our Rent Guarantee Insurance can provide cover against your residential tenant defaulting or failing to pay the rent, helping to take away some of the stress associated with being a landlord.

Our policy can provide peace of mind and the full cost may be tax deductible against your rental income, helping to save you money. Have a look below at the cost of our Rent Guarantee Insurance. Our aim is to make it easy and cost effective for you to help financially protect your rental income.


We provide a choice of price options based on the excess you select. Each month’s excess will be the amount you charge for one month’s rent.


The three excess price options for our policy are:

  • £225 for a policy with no excess
  • £200 for a policy with 1 month’s excess
  • £175 for a policy with 2 months’ excess


These prices are inclusive of Insurance Premium Tax.


All of our Rent Guarantee Insurance policies last for 12 months.


The policy is designed to cover one tenancy at one property. If you have multiple tenancy agreements at the property you will need a separate policy for each tenancy agreement. For example, if you have two separate tenants and two tenancy agreements you will need two separate policies.

* IPT is the statutory Insurance Premium Tax levied by the Government

Just Landlords Rent Guarantee Insurance provides the following cover:


Rent arrears covered up to £2,500 per month over a 12 month period
Legal expenses for the recovery of your property

You must obtain satisfactory references for each tenant or guarantor before the tenancy agreement started or rent arrears cover.

Full details of these references can be found in the policy wording.


Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

Frequently Asked Questions

Our annual policy will cover missed payments of up to £2,500 over a 12 month period whilst the eviction process is taking place to grant vacant possession of the property.

For cover to be effective all references taken must be satisfactory. If the tenant’s references are not satisfactory there will need to be a guarantor whose references are satisfactory.

The policy will provide full details of the cover for each section covered. But in general, the rent must be in arrears by at least one calendar month for you to be able to initiate a claim.

Cover should be taken out on or before the start or renewal of any tenancy agreement.

Yes, this policy does not cover claims if the insured person or their letting agent has allowed the tenant into possession of the insured property prior to the first month’s rent and the deposit having been received in cash or cleared funds. Please see the policy wording for full terms and conditions.

No, we appreciate that rent should be paid to you each month, especially as you may have your own financial needs to meet. Therefore, during the claim process, the policy will pay you your rent arrears on a monthly basis in line with your tenancy agreement.

The cover provided is specific to the property where the tenancy agreement is in force. If you wish to cover more than one property then a policy must be issued for each property separately.

Cover can be provided instantly, simply complete the online application and you are covered from the moment your payment is processed. The online application process can take no longer than a few minutes. You will then be sent your full policy documents electronically and securely to your email address.

Yes, in fact Just Landlords is one of the market leaders in this field and provides cover available for landlords.