# What is rent guarantee insurance for landlords?

> Quick answer · Last updated 4 July 2026

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## In short

Rent guarantee insurance pays rent for a set period if tenants stop paying after an initial exclusion window — often one to two months. Insurers usually require professional tenant referencing and may cap total payouts per year.

Policies do not replace good referencing — they backstop arrears after documented default. Eviction legal costs may need separate legal expenses cover.

Exclusions often include pre-existing arrears, tenants not referenced, and the first months of a new tenancy.

Since Renters' Rights Act reforms, check that policy wordings match current possession routes in England.

Premiums are generally tax-deductible against rental profits. See landlord insurance guide.

## Related

- [Landlord insurance guide](https://moneyguide.org.uk/insurance/landlord-insurance-explained/)
- [Rent arrears advice](https://moneyguide.org.uk/debt-help/rent-arrears-advice/)

## Primary source

abi.org.uk

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.