Rent guarantee insurance from £156.24 per tenancy
Before buying rent protection insurance, ensure you meet all legal requirements for renting a property and have the required documents to hand.
Rent Protection Insurance
Rent Protection Insurance — Safeguard Your Rental Income
Rent protection insurance — also known as rent guarantee insurance — covers landlords against lost rental income when tenants stop paying rent. If a tenant defaults on their rent, this policy compensates you for the lost income while the situation is resolved, including the cost of legal proceedings to recover the arrears or regain possession of your property.
At UK Sure, we offer rent protection insurance from £156.24 per tenancy. Our policies cover lost rental income, legal expenses for tenant disputes, and eviction costs. Before purchasing, you must meet all legal requirements for renting and have the required documentation — including a signed tenancy agreement, tenant referencing, and right-to-rent checks.
Whether you are a landlord with one property or a portfolio, UK Sure will find the right rent protection cover.
Get a quote online or call us on 01323 416706.
Why Our Rent Protection Insurance
1. Cover for lost rental income when tenants default
2. Legal expenses for tenant disputes and eviction
3. Court costs and solicitor fees covered
4. Cover from £156.24 per tenancy
5. Protection while legal proceedings are ongoing
6. Available for single properties and portfolios
What's NOT Covered
1. Arrears from before the policy start date
2. Tenancies without proper referencing and agreements
3. Properties let without legal compliance (gas safety, etc.)
4. Rent disputes where the landlord is at fault
5. Commercial tenancies (residential only)
Key Features of Our Rent Protection Insurance
A tenant who stops paying rent can cost you thousands in lost income and legal fees. UK Sure rent protection insurance covers your rental income and the cost of resolving tenant disputes.
From £156.24 Per Tenancy
Competitive rent protection insurance covering lost rental income and legal expenses. A small cost compared to months of unpaid rent.
Legal Expenses Included
Court costs, solicitor fees, and eviction proceedings are covered. You are protected while the legal process runs its course.
UK Sure works with specialist landlord insurers who understand rent protection. Whether you own one rental property or a portfolio, our policies protect your income against tenant default.
Single properties and portfolios
Lost rent compensation while proceedings are ongoing
Eviction costs and court fees covered
Available as standalone or add-on to landlord insurance
● DETAILS
Additional Rent Protection Insurance Details
You will need to be able to provide evidence of the following:
Affordability Your tenant needs to earn at least two and a half times the monthly rental amount (three times, if self-employed). This income can be from working income, benefits, pensions, or a combination of all three. Evidence of this income should be obtained (e.g., bank statements, pension statements, or proof from an accountant).
A credit check clear of CCJs, bankruptcies, or IVAs. Tenants need to be clear of IVAs, CCJS, and bankruptcies for at least three years.
Proof of identification We need two forms of ID to confirm the tenant’s identity, one of which needs to include a photo. We usually suggest a passport or driving licence along with a utility bill.
A legal tenancy agreement A legal tenancy agreement must be in place at the time of making a claim; if this is not the case, the policy will be void.
The Rent Protection Insurance policy also requires that these documents are provided to your tenant:
For a Rent Protection Insurance policy to be valid, your tenants must be satisfactorily referenced using two forms of ID, one of which needs to be photographic. We will also accept evidence they have passed the right to rent as proof of identification.
- Gas safety certificate
- Deposit prescribed information (if taken)
Legal expenses cover
Get ready toprotect your rental income with our fantastic rent guarantee insurance! This incredible policy safeguards landlords against the loss of rental income when tenants face difficulties making payments. Plus, it includes legal expenses cover, ensuring you have up to £100,000 for legal costs related to regaining possession of your property, including eviction and expert legal advice!
So, who should consider rent guarantee insurance?
It's perfect for anyone facing financial strain if their rental income suddenly stops. Even the most reliable tenants can encounter tough times, making this insurance an innovative and valuable safety net for your peace of mind.
While rent guarantee insurance is not legally required, it's highly recommended if you depend on that rental income.
Purchase our rent guarantee insurance (or rent protection insurance) and get peace of mind when renting your properties.
Our rent guarantee insurance policy also comes with legal expensesas standard so that you can get rent protection if a tenant defaults. Any legal expenses you may face, such as costs for evicting a tenant, are covered.
Cover up to £2,500 in rental income per month.
Hotel Expenses - Up to £50 per day up to the limit of cover for hotel expenses where no alternative accommodation is available to you whilst you try to gain possession of your property to live in.
Landlord legal expenses helpline 24/7.
a)Negotiate your legal rights after an incident of physical damage to your property.
b)Negotiate your legal rights to try to get possession of your property following a breach of the tenancy agreement.
c)Negotiate your legal rights to evict anyone who is not permitted to be on your property.
This insurance is arranged by IRevolution Extra who is also the policy administrator and is managed by Lexelle Limited on behalf of Financial & Legal Insurance Company Limited
We’ve Got Your Payments Covered.
- Full landlord legal expenses up to £50,000 (including eviction costs) to help with:
- Reliable Rent Protection, When Life Gets Unpredictable.
- For Landlords Who Want Peace of Mind, Always.
- One Policy, Total Rent Protection.
- Cover up to £2,500 in rental income per month
- Landlord legal expenses helpline 24/7
- Full landlord legal expenses up to £50,000
● FAQS
Frequently asked questions
1. What is rent protection insurance?
Rent protection insurance compensates landlords for lost rental income when tenants stop paying rent. It also covers legal expenses for tenant disputes and eviction proceedings. Call 01323 416706 for a quote.
2. How much does rent protection insurance cost?
Rent protection insurance starts from £156.24 per tenancy. The exact cost depends on the rental value and level of cover. Get a quote online or call 01323 416706.
3. What documentation do I need?
You need a signed tenancy agreement, evidence of tenant referencing, right-to-rent checks, a valid gas safety certificate, and an EPC. You must meet all legal requirements for renting before the policy will pay out.
4. How long does rent protection cover last?
Rent protection typically covers lost rent for a set period — often up to 12 months — while legal proceedings are ongoing. Check your specific policy terms or call 01323 416706.
5. Does it cover eviction costs?
Yes. Legal expenses for gaining possession of your property — including court costs and solicitor fees — are covered under rent protection insurance.
6. Can I add rent protection to my landlord insurance?
Yes. Rent protection can be added to your existing landlord insurance policy or purchased as a standalone policy. Call 01323 416706 to discuss options.
7. Is renters insurance worth it in the UK?
If you're renting a home, renters insurance – also known as contents insurance – can provide cover for your personal belongings. Covering the cost of replacing all your possessions if they are stolen or damaged could run into thousands. Having contents insurance means you won't be left out of pocket if things go wrong.
8. What is rent guarantee insurance in the UK?
Rent Guarantee Insurance covers unpaid rent after correctly serving an eviction notice to repossess your residential property. Purchased as part of Legal Expenses add-on at new business or renewal. Restricted claims for existing tenants in the first 90 days after purchase.
9. What insurance do landlords need in the UK?
Standard landlord insurance policies typically start with building insurance and property owners' liability insurance. These cover the cost of repairing or rebuilding your property and cover any personal injury to a tenant or visitor.
10. Is it worth being a UK landlord?
Good long-term return on investment If you're a new landlord, it's important to remember that becoming a landlord is not a get-rich-quick scheme. It may take some time before you see a significant return on investment, but it's certainly worth it for the long-term results
11. What will you most likely need to insure as a landlord?
The core covers of landlord insurance include property damage, liability protection, and rental income lost due to a tenant's inability to rent. Additional riders—or add-ons to policies—can be purchased to cover income lost when a tenant misses a rent payment and flood damage.
12. What is the most a landlord can raise rent in the UK?
There isn't a specific limit on how much a private landlord can increase the rent. Yet, the increase must be fair and reasonable. To determine a fair rent increase, you should consider changes in the local rental market, inflation rates, and the condition of the property.
13. What is the renters rights bill in the UK?
The Renters' Rights Bill will: Abolish section 21 evictions and move to a simpler tenancy structure where all assured tenancies are periodic – providing more security for tenants and empowering them to challenge poor practice and unfair rent increases without fear of eviction.
14. What is a protected tenancy in the UK?
Private tenancies that meet certain criteria are called protected tenancies. You can only charge a fixed rent for this type of tenancy. You may find it hard to end a protected tenancy. A protected tenant may be able to pass on their tenancy when they die.
15. What does a landlord legally have to provide UK?
As a landlord you must: keep your rented properties safe and free from health hazards. make sure all gas equipment and electrical equipment is safely installed and maintained. provide an Energy Performance Certificate for the property.
16. What is the rent control policy in the UK?
The mechanisms for regulating prices (historically called "rent control"). Since the Housing Act 1980 (c. 51), prices are generally left for landlords to fix except in the "affordable" sector where councils and housing associations manage around 4.4 million homes which are subject to rent regulation.