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Comprehensive Landlord Household Insurance including Legal Expenses to help evict tenants. Rent Guarantee and Emergency Cover as optional add-ons

Landlord Household Insurance with legal expenses, plus optional rent guarantee and emergency cover

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Instant landlord insurance quotes from our insurance partner
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The quickest way to get a quote is to use our online contact form. Alternatively call our UK based offices quoting 'LandlordsandLetting'.

Landlord Household insurance with optional add-ons

• Rent paid up until eviction

• Eviction legal expenses to help you evict the tenant(s)

• Mid-Tenancy policies accepted - (no cover for the first 90 days)

• Tax Protection and Advice Line

• Emergency breakdown cover for escape of water, boiler problems etc

• Premium is 1.8% of rent to be covered + 12% IPT. Min premium £120 plus IPT

tenants with landlord handing them the keysThis comprehensive Landlord Insurance is taken out by landlords to cover damage to their property with the option to protect their rent in the event that their tenants stop paying rent for any reason.
The optional Emergency Cover is there to deal with water leaks, boiler breakdowns etc.

• Legal Expenses & Rent Guarantee (12 months)
• Tenant Referencing is a requirement of this policy.

Criteria for obtaining and successfully claiming on Landlord Rent Guarantee and legal Expenses policies.


1. Tenant referencing is a condition of this policy.
2. It must be taken out at the start of a tenancy and the landlord must reference tenants correctly.
3. If the tenants stop paying the rent, claims on this insurance and it will pay out for a maximum of 15 months or until the end of the Tenancy period, whichever is the lesser.
4. Landlords and Tenants are encouraged to mediate and arrange an acceptable payment plan to catch the tenant up to date with their payments.

A tenant(s) must be in current and permanent employment. You must ensure that the amount confirmed as their gross monthly income is equivalent to at least 2.5 times the monthly rent.

Adverse credit history
All CCJs, Bankruptcies and IVAs must be settled for at least three years.

Identification and income
Acceptable identification and proofs of income are photocopy of passport or driving licence. Confirmation of current income on employer’s letterhead.

Long standing tenants
If a tenant has been in place for greater than 12 months at the inception date of the policy the above checks will not be required provided there have been no breaches of tenancy and no late payments in the last 12 months.

Failure to meet above criteria
If a tenant does not meet the acceptance criteria a guarantor can be used who must meet the same requirements, except income multiple, which must be 3 times the monthly rent.
Clients are advised to check the Policy Document before proceeding.

You choose your own reference agency
Unlike many other Rent Guarantee policies, with this policy you are free to choose the provider that works best for you.

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How much does your tenant need to be earning? Will they need a Guarantor and how much does the guarantor need to earn?

Click to find out how much your tenant has to be earning and whether your tenant will need a guarantor for you to qualify for rent guarantee and legal expenses insurance.

FAQs about Landlord Rent Guarantee and Legal Expenses Insurance
Do I need to use a particular tenant referencing agency to obtain this insurance?
If your tenant is in full-time work with a confirmation on company headed paper that he/she is earning at least 2.5 times their share of the rent, you can simply obtain a reference from ANY licensed credit reference agency. If your tenant does NOT meet these requirements then you will need to obtain a Full Profile Reference. Here is a link to Vorensys Tenant Referencing
What happens if the referencing fails in any way?
You will need your tenants to supply a Guarantor to cover the rent and that Guarantor must be referenced in the same way. Remember that the income requirements for a Guarantor are more demanding than for the tenant themselves. More
How soon is the rent paid in the event of a default by my tenant?
If you have selected Rent Guarantee as part of your policy, your rent will be paid only after the first 90 days of insurance have elapsed.
What about getting the defaulting tenants evicted?
Soon after a claim is lodged our legal team get to work to help you evict the tenants.
I see it's per property - how many tenants are covered under one policy?
Unlimited number of tenants are covered. A 'tenant' is any person named on the Tenancy Agreement.
If I want cover what do I do now?
You can purchase the insurance RIGHT NOW online or by calling our UK based call centre. You can cancel within 14 days with a full refund if you change your mind for any reason. However, you must ensure that you have all the necessary ID checks and referencing in place BEFORE you let the tenants into your premises. You will not be required to show these documents now but you must retain them safely as sight of them will be required in the event of a claim. Also, you must ensure you deal with the Security Deposit in the prescribed manner and that you have fully cleared funds for one month's rent in advance and that you hold the security deposit in CLEARED funds - not just a cheque.
If I need to claim, what are my obligations?
You will have to show evidence of the following: Satisfactory Tenant Referency, that the Tenancy Deposit has been dealt with as required by Law, that any necessary Gas or Energy Performance Certificates (EPCs) have been obtained and issued to the tenant(s), that the government How To Rent Guide was issued to the tenant(s) at the start of the tenancy, plus a copies of the check-in and where appropriate, the check-out signed inventories. You will need to file a claim within 60 days of the tenant failing to pay the rent.