Rent Guarantee & Legal Expenses Cover

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.

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Rent Guarantee & Legal Expenses Insurance

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. Recovering arrears can be difficult and very costly for landlords without any guarantee of success or recovery. At Just Landlords,our Rent Guarantee Insurance will cover you against your residential tenant defaulting or failing to pay the rent,taking away some of the stress associated with being a landlord.

Have a look below at the cost of our Rent Guarantee Insurance,we think you will agree how easy and cost effective it is to financially protect your rental income.
A Rent Guarantee Insurance policy can provide real peace of mind and remember,the full cost is tax deductible against your rental income - saving you even more money!

12 Month Policy from only £111.61 plus IPT* at 12.0% (£13.39) = Total £125.00

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Total Annual Premium


( this includes insurance premium tax at £ )
* 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 £50,000
Legal Expenses Covered up to £50,000
No Excess to Pay
Unlimited Period of Rent Arrears Paid
All Tenant Types Accepted
Cover is Provided by MSL Legal Expenses Limited

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

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

Frequently Asked Questions

Absolutely not you are free to choose any licensed Referencing Service you wish to obtain any reference’s for the tenants or the guarantor.

You may well find that in most cases your letting agent will do this as part of their service before any tenancy agreement starts.

All Rent Guarantee Insurance policies require a satisfactory reference on the tenant or guarantor, ours must include:

  • Written references from a previous managing agent or landlord(if applicable).
  • An employer(or other financial source).
  • Rental sufficiency test.
  • A credit check which includes the Enforcement of Judgements Office, County Court Judgements and bankruptcy.

Although this may be the case with certain other insurers with Just Landlords the answer is a definite NO. Our policy has no maximum timescales it will cover you for rent arrears up to £50,000 until possession of your property has been gained - even if this takes longer than 6 months.

For cover to be effective all references taken must be satisfactory. Therefore if the tenant’s references are not satisfactory there will need to be a guarantor who’s reference’s 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 only one calendar month for you to be able to initiate a claim.

Ideally cover should be taken out on or before the start or renewal of any tenancy although we do not have a qualifying period.

Yes,you should take a deposit equal to at least one months rent. However your policy will have no excess to pay.

No,we do not charge an excess when you claim,therefore your claim will be met in full.

Absolutely not,we very much 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 we 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 is provided instantly,simply complete the online application and you are covered from the moment your payment is processed. The online application process will take no longer than a few minutes. You will then be sent your full policy documents electronically and securely to your email address. Of course,you can also telephone us to arrange instant cover as well.

Absolutely,in fact Just Landlords is a market leader in this field and provides the widest cover available for Landlords.

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. Therefore if you have two separate tenants and two tenancy agreements you will need two separate policies.