Landlord Legal Expenses & Rent Guarantee Insurance

Rent Protection covers up to £2,500 per month for up to 12 months of rent owed by a tenant, provided you are actively pursuing eviction. Legal Expenses covers up to £50,000 of professional fees for solicitors, claims handlers, and accountants across six areas including eviction, dilapidations, squatters, property infringement, and legal defence.

Rent guarantee insurance typically costs between 2-5% of your annual rental income, though this varies based on:

• Property type and location
• Tenant type (professionals, students, DSS)
• Cover limits and excess
• Whether it's standalone or combined with buildings insurance

We compare quotes from multiple specialist insurers to find you the best value.

Yes. Proper tenant referencing is a fundamental requirement for any claim to be valid. Most insurers will exclude claims if a tenant reference has not been obtained. We strongly recommend thorough referencing including credit checks, employment verification, and previous landlord references.

You must notify claims as soon as reasonably possible once you become aware of the insured incident, and typically within no more than 45 days of becoming aware. Failure to notify within this timeframe could affect your ability to claim. We recommend notifying us immediately when any issue arises.

Most policies exclude claims if there are less than 51% prospects of success. Additionally, insurers may decline to pursue a claim if they consider it unlikely a reasonable settlement will be obtained, or where the likely settlement amount is disproportionate compared with the time and expense incurred.

Yes. Comprehensive policies provide up to £50,000 of advisers' costs to pursue legal action to evict anyone who is not your tenant or ex-tenant from the insured property and who has not got your permission to be there. This is a valuable protection for landlords whose properties may be vulnerable to squatting.

If you've taken out this insurance as an optional add-on, you can typically cancel at any time by contacting us and giving 14 days' notice. If you cancel within 14 days of taking out the insurance, you'll receive a full refund provided no claim has been made. After 14 days, you'll receive a refund less an amount for the time cover has been provided, again subject to no claims being made.

The policy provides cover throughout the United Kingdom (England, Scotland, Northern Ireland, Wales), the Channel Islands, and the Isle of Man.

If it may cost the insurer more to handle a claim than the amount in dispute, they can decide to pay you the amount in dispute directly, which will then constitute the end of the claim under the policy. This is a practical approach that ensures efficient resolution of smaller disputes.

Yes. You must gain the insurer's consent before incurring any legal advisers' costs. Any advisers' costs or other expenses incurred which have not been agreed in advance or are above those for which prior written approval has been given will not be covered. Always contact us before instructing solicitors.

Key exclusions typically include:

• Claims with less than 51% prospects of success
• Professional fees for interest on rent or service charges
• Any rent payable after you've recovered full and vacant possession
• Disputes between you and a letting agent
• Claims where no tenant reference was obtained
• Claims that arose before the start of the insurance
• Claims where you haven't complied with all laws and regulations relating to renting out your property