What is rent guarantee insurance for landlords?
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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.
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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.
Primary source: abi.org.uk
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