Underwritten by


To give you greater flexibility you will not be charged a fee should you need to cancel 
your policy. T&C’s apply.

What is Rent Guarantee Insurance?

Our Rent Guarantee Insurance policy offers protection to landlords, managing agents and let-to-let / rent-to-rent landlords of residential properties against potential loss of rental income should a tenant fail to pay their rent for up to a period of 24 months (providing they have not vacated the property). The rent guarantee insurance for landlords policy will cover properties being rented out as single or multiple lets, or Houses in Multiple Occupation (HMO’s).

The rent protection insurance policy also provides Legal Expenses cover for the costs associated with pursuing legal action against your tenant, e.g. to evict them from your property, providing a valid eviction notice has been served.

Our Rent Guarantee Insurance will pay the costs that you may incur in the pursuit of legal proceedings to recuperate the cost of fixing or repairing any damaged property that has been caused by the tenant. 

Another benefit that our landlord rent insurance policy includes is free access to a 24/7 Landlord Legal Helpline. You can get an instant quote and purchase your policy online in minutes, with both annual and monthly payment plans available. If you have any questions about our rent protection insurance for landlords, feel free to call our UK based sales team on 01494 887909. 

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Why choose Protectivity for rent guarantee insurance?

Free Legal Service

We have teamed up with LawAssure to give our customers FREE access to an abundance of landlord legal documents such as Tenancy Agreements and Section 21 notices. 

Trusted by Thousands

We have been providing insurance to UK customers for over 25 years. Today we protect over 60,000 customers each year, and uphold an excellent customer service score based on over 3,000 customer reviews. 

Monthly Payment Options

We are one of the only online Rent Guarantee Insurance providers to offer monthly payment plans with 0% APR. This means you can spread the cost of your cover across 10 months.

Excellent Claims Handling​

Our specialist UK based claims handlers aim to deal with any landlord Rent Guarantee Insurance claim you have, minor or serious, quickly, without causing disruption to you.

What does our Rent Guarantee Insurance policy cover?

The landlord rent guarantee insurance policy is designed to offer protection to landlords, managing agents, or let-to-let / rent-to-rent landlords against unpaid rent during the period prior to obtaining vacant possession of the property. In addition, we will provide you with cover for the costs and expenses incurred in legal disputes in relation to your property and tenant, such as legal action and court proceedings. We will provide cover up to a maximum of £100,000 for the following:

Rent Guarantee

This section of our rent insurance policy acts as unpaid rent insurance, covering you for up to a maximum of 24 months of unpaid rent prior to vacant possession of the property being obtained, providing the unpaid rent in dispute exceeds the greater of £500 or one month’s rent.

Rent Recovery

This section of the landlord Rent Guarantee Insurance covers the costs of legal proceedings for undisputed and unpaid rent which is due under the terms of the tenancy agreement between you and the tenant.

Tenant Eviction

This section of the rent guarantee policy will cover the cost of taking legal action against a tenant to evict them from your property, providing a valid eviction notice has been served.

Tenant Property Damage

We will pay your legal expenses should you need to recuperate the cost of fixing or repairing damage caused by the tenant to the property and/or its contents, providing the damaged item(s) was listed on the pre-agreed inventory.

Legal Defence

We will pay the Costs and Expenses to defend you, the landlord, against prosecution in a criminal court arising from the letting of the Insured Property. 

Squatter Protection

We will pay the costs for you to pursue legal action to evict a trespasser or any unauthorised person living at the insured property.

I was really pleased with how my claim was settled. It gave me great confidence that Protectivity covers me when the worst happens.

Fantastic claims handling

Whilst we hope you always receive your rental income, there is a chance that you will need to make a claim on your policy at some point due to unpaid rent. That’s why we’re committed to making our claims process as smooth and efficient as possible.

If you need to make a claim, just click the link below, select the relevant form and fill in the details and we’ll take it from there.

What is NOT covered under our rent guarantee policy?

The following is not covered as standard as part of our landlord rent guarantee policy

Prior Claims

Any claim, or incident which may lead to a claim, which you knew about or have known about before the start of this policy. 

Commercial Properties

Our policy does not extend to cover commercial properties such as shops, or premises being used to run a business.

Notice to Quit

Any claim where the Notice to Quit was served by you against the tenant(s) prior to the start of the policy.

Prior Legal Costs

Any legal costs incurred before a claim is made will not be covered. 

Frequently Asked Questions
Q. What do I need to check before buying your Rent Guarantee Insurance?

A. For this insurance to be valid, your tenant must have passed the relevant referencing process in advance of the tenancy commencing. This includes an affordability test, proof of earnings, proof of ID and credit referencing showing no CCJ’s in the past 3 years along with no previous bankruptcies and a good/ satisfactory/ pass credit score demonstrating their ability to meet their rent commitments. Further information can be found in the Policy Wording – which is available when you get a quote. 

Q. What if my tenant fails any of the above checks?

A. Your tenant would then be required to obtain a Guarantor(s). This could be a family member, friend or organisation. The Guarantor would then be subject to the same credit reference checks, and must have an annual income that is equal to or greater than fifty times the monthly rent. 

Q. How much does the Rent Guarantee policy cost?

A. The cost of your rent guarantee insurance will depend on how much monthly rental income you wish to protect, plus the amount of tenancies that you wish to cover. 

Q. My tenant has already been living in the property for a year or two, and I did all the relative Tenancy Checks before he / she originally moved in. Do I need to repeat them again now in order to be covered under the policy?

A. No – if the Tenancy Checks were all OK at the time, and there have been no issues with the rental payments since your tenant moved in, then you do not need to do the checks again.  

Q. Will I be covered for legal action against my tenant?

A. We will pay for your legal costs, providing the reason for taking legal action against your tenant falls within the terms and scope of cover in our policy.  

Q. Is this policy available for commercial property landlords?

A. No, our Rent Guarantee Insurance is only available to residential landlords. 

Q. Who underwrites your insurance?

A. Our Rent Guarantee Insurance policy is underwritten by Financial & Legal Insurance. 

Q. Will my rent guarantee insurance policy still cover me if I change my tenant?

A. Yes, the insurance is based on the property. As long as the new tenant has passed our referencing criteria and there is a tenancy agreement in place, then the insurance will be valid.

Q. If the tenant is paying over £2,500 per month in rent, can I take out cover up to the maximum limit of £2,500?

A. No – unfortunately if the tenancy contract is covering rent of above £2,500 per month, we won’t be able to offer you a policy.

Q. If part of the tenant’s income is coming from other income sources, can this still be classed as income?

A. We can accept income from any of the following sources: Investments, pensions, private trust fund, or where the tenant is employed, additional income received from Universal Credit or Disability Living Allowance. We are not able to accept Child Benefit or Child Maintenance as forms of income.

Q. How can I compare Landlord Rent Guarantee Insurance?

A. Landlord Rent Guarantee Insurance comparison usually considers: the value of unpaid rent covered, the period of unpaid rent covered, and the cap on the value of expenses covered.

Q. What is the difference between Rent Guarantee Insurance and Rent Protection Insurance?

A. Our Rent Guarantee Insurance policy is just another name for Rent Protection Insurance and is also known as Landlord Rent Insurance, Rent Indemnity Insurance, Landlord Rent Protection, Rental Protection Insurance, or Rent Default Insurance.

Q. My tenant has been living in my property for many years. Do I still need to do all the credit checks in order for the policy to provide cover?

A. If your tenant has lived in your property for 3 or more years, and has paid their rent without any issues, you do not need to carry out the listed credit checks. However, in the event of a claim, you would need to be able to provide evidence that the tenant has consistently paid their rent for at least 3 years. If you have not carried out the relevant credit checks, and the tenant failed to pay rent within the first 90 days of the policy, the claim would be declined. 

Have a question? Contact us...

If you have any other questions regarding our Rent Guarantee Insurance, then feel free to get in touch on 01494 887909. Our phone lines are open 9am to 5:30pm, Monday to Friday. 

More information on what we can cover on this policy can be found on our FAQs page.