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Rent Guarantee and Legal Expenses Insurance

Keep your rental income safe and your legal bases covered even when the unexpected happens

As a landlord, even the best tenancy agreements can’t stop the occasional hiccup. Missed rent payments, drawn-out evictions or legal disputes can turn your investment dream into a bit of a nightmare. That’s where our rent guarantee insurance and legal expenses insurance come in.

This cover helps protect your rental income if tenants stop paying and supports you with legal costs if things go south. Whether it’s missed rent, eviction issues or property-related disputes, this insurance gives you peace of mind and helps keep your property business running smoothly.

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Who Needs Rent Guarantee and Legal Expenses Insurance?

Protecting Landlords from Unexpected Financial Strains

If you’re a landlord, you know that letting out a property isn’t always a fairy tale. Tenants can fall behind on rent and legal issues can appear without warning. Our rent protection insurance helps shield you from financial surprises, keeping your investment protected and your stress levels low.

This cover is ideal for anyone looking for landlord rent guarantee insurance that supports rental income and covers legal costs. If you need landlord legal expenses insurance and rental income insurance all in one, this policy is made for you.

Why do you need Rent Guarantee and Legal Expenses Insurance?

Ensuring Your Rental Journey Isn’t a Grimm Tale

Even with careful tenant referencing, life happens. Redundancy, illness or unexpected personal issues can leave tenants unable to pay rent. Legal disputes, from damage claims to unpaid rent, can be both expensive and stressful.

Our combined policy includes rent guarantee insurance and legal costs insurance to help you recover lost rental income and manage any legal action needed. If you ever find yourself needing eviction insurance, you’ll have the right support in place to act quickly and effectively.

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Flexible Cover

We know every landlord has different needs. Whether you’ve got one flat or several properties, our rental guarantee insurance can be shaped to suit you. Just tell us what you need covered and we’ll work our magic to build the right policy.

Making a Claim Shouldn’t Be a Quest

Your policy is there to protect you, not add more stress. That’s why we only work with insurer partners who provide straightforward, reliable claims processes. If you ever need to use your tenant rent guarantee insurance, we’ll make sure the process is clear and simple from start to finish.

What Does Rent Guarantee and Legal Expenses Insurance Cover You For?

Comprehensive Protection for Peace of Mind

This policy provides cover for unpaid rent if your tenant defaults, helping to keep your finances steady. It also offers legal expenses insurance, giving you the support needed to manage evictions or property-related legal issues.

You’re protected if your tenant stops paying rent, and your legal costs will be covered if you need to go to court. If the situation requires eviction insurance, you’ll have guidance every step of the way.

What’s not included typically involves arrears that existed before the policy started, properties left empty at the time of a claim or tenants who didn’t pass referencing. Your policy will detail exactly what’s covered but below is a brief overview…

Here’s an overview of what your policy can protect you against, although your personalised policy might look different depending on your selections…

What’s covered

24/7 Free Legal Advice Helpline
Legal Pursuit – Policy Limit: £50,000
Legal Defence – Policy Limit: £50,000
Hotel Expenses – Policy Limit: £3,000
Rent Guarantee – Up to £2,500pm

What’s Not covered

Any claim whereby you have not fully adhered to the Tenant Referencing terms of the policy (as detailed in the main policy terms and conditions) prior to the commencement of the tenancy, or if they are already in residence, prior to inception of this policy
Any claim arising within the first 90 days of cover or outside the period of cover detailed on your policy schedule
Any claim where your delay in reporting an incident to us has prejudiced the Insurer’s position
Any claim concerning or arising from: Building, converting or extended all or part of the tenanted property. Town or Country planning laws. Subsidence, heave, landslip, mining or quarrying. Works by or under order of any government, public or local authority.
Any costs incurred where you have engaged with a solicitor prior to registering a claim on your policy.
Where the monthly rent due under the tenancy is greater than £2,500