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Landlords Rent Guarantee Insurance

Rent Guarantee Insurance

Purchase rent guarantee insurance from £160 per property*

Purchase Online
  • Up to 15 months’ rental cover
  • Landlord Legal expenses helpline 24/7
  • Up to 15 months’ rental cover
  • Landlord Legal expenses helpline 24/7
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Purchase our rent guarantee insurance and get peace of mind when renting out your properties. Our rent guarantee insurance policy also comes with legal expenses as standard, so you can get rent protection in the event of a tenant defaulting and any legal expenses cost’s you may face, such as costs for evicting a tenant, covered.

  • Cover up to £2,500 in rental income per month 
  • Up to 15 months’ rental cover
  • Up to 3 months rental cover following eviction at 75% of monthly rent
  • Full landlord legal expenses up to £100,000 (including eviction costs)
  • Landlord Legal expenses helpline 24/7
  • All tenant types considered

Need landlord building insurance and rent guarantee? 
Save an additional £65 from your rent guarantee insurance policy when you purchase a landlord policy from us.

The Alan Boswell Group Difference

landlord insurance rent guarantee and legal expenses

Alan Boswell Group appreciates the time and effort it takes to find the right tenant(s) and the need to protect rental income for the property. However, sometimes, circumstances out of a tenant’s control, such as redundancy, may result in a rent default. It is at this point that a rent protection insurance such as landlord rent guarantee insurance can make all the difference. Because we understand this, we have created a policy that caters to a variety of events.

View our landlord advice hub for useful information to help landlords and property owners find the advice and products needed.

How our customers rate us

Easy to use - all insurances were sorted to come up on the same date. Very simple website.

Mrs Knox - Landlords Insurance

Rent Guarantee Insurance in detail

Rent Guarantee Insurance is a valuable insurance policy for many landlords who want rental income protection. Landlord insurance with rent guarantee and legal expenses is a perfect combination for any professional or residential landlord, providing cover if your tenant defaults and fails to pay the rent on your property.

The benefits of Rent Guarantee Insurance are:

  • Rental income cover Cover up to £2,500 in rental income per month for up to 15 months
  • Legal expenses cover Cover for up to £100,000 legal expenses for eviction (including the issue of relevant section notices), property legal disputes, repair & renovation disputes, health & safety investigations and tax investigations.
  • Helpline The policy provides you with access to a 24/7 legal advice helpline
  • Guidance Access to online health and safety documents

For this insurance to be valid, your tenant(s) must have passed the relevant referencing process in advance. This includes proof of earnings and affordability, proof of ID and a credit check showing no CCJs in the last three years.

It is not possible to take this policy out once a tenant has defaulted.

If a tenant already occupies the property and you want to take out the policy after the tenancy has started, there will be a 60-day exclusion period before a claim can be submitted.

Bear in mind that a valid claim goes hand in hand with the process of evicting the tenant for non-payment. The policy provides the legal cover to help you with the eviction and pays the unpaid rent until you have vacant possession of the property (up to the specified limits).


*Rent Guarantee and legal expenses cost

How much does rent guarantee insurance cost?

Thanks to our close insurer relationships, we can provide rent guarantee and legal expenses insurance at a competitive price. Plus, if you take it out when buying a landlord insurance policy with us, we can give you an exclusive discount.

Monthly rental income Insurance cost when bought with landlord insurance from Alan Boswell Group Insurance cost per property per year
Up to £2,500 £160 for 12 months £215 for 12 months

Purchase stand-alone rent guarantee insurance with legal expenses, follow the link below.

Rent guarantee with legal expenses

Standalone Landlord legal expenses

You are also able to purchase a standalone cover for landlord legal expenses insurance, the cover is available for £40 if purchased in conjunction with an Alan Boswell Group landlord insurance policy.

Alternatively, landlord legal expenses insurance can be purchased for £60 on a standalone basis.


  • Rent guarantee insurance covers your monthly rental income if your tenants stop paying.  You can make a claim on your policy once your tenants have fallen two month payments behind with their rent. Subject to claim acceptance your insurance will then continue to pay out for a fixed period, or until the tenant is evicted.

  • Yes, as long as you meet the acceptance criteria.

  • Rent guarantee insurance is an optional cover that helps to protect you, as a landlord, from being at risk if your tenants have difficulty paying their rent. Rent guarantee can be an invaluable policy for landlords who rely on the rental income. The policy is sold in conjunction with legal expenses cover which will provide cover for the legal costs of regaining possession of your property.

  • Under normal circumstance landlord insurance usually covers Loss of Rent following a claim under the main policy.  However, if your tenants simply stop paying their rent then your landlord’s insurance will not cover this and you would need a separate legal expenses and rent guarantee insurance which would provide cover to evict the tenant and pay your rent during the process.

  • If your landlord’s insurance pays out in the event of a claim for loss or damage caused, for example by fire or flood, that means your tenants can no longer stay in the property then any rental income lost is usually covered by loss of rent cover included in the main policy.  However, if your tenant simply stops paying their rent but remains in your property you would require additional legal expenses and rent guarantee insurance to help you evict the tenant and pay the missing rent during the process.

  • Yes, but the guarantor will still have to go through the similar referencing process. The guarantor will also have to achieve a higher affordability factor.

  • Two forms of ID are required and one must be photographic.

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

  • There is no legal requirement for the product, although it is highly advisable if you rely on the rental income.

  • You can cover up to 4 tenants per policy, if you wish to cover more than 4 please contact us. 

  • No, the policy is designed to pay rent while the tenant resides at the property (but is unable to pay rent). If they leave, there will be no cover for future rent due.

  • This is not possible.

  • You must try speaking with your tenants first  and see if you can make an arrangement to repay the arrears. If this doesn’t work and they can’t/don’t pay, the following eviction notices must be served before you can claim:

    • Section 8 notice: also known as a notice to quit or possession notice. A Section 8 notice seeks possession of your property if the tenant won’t leave
    • Ultimately, if your tenant(s) can’t pay, you can issue a Section 21 notice which ends the tenancy.

    For more information about how to evict tenants, click here

    Give us a call today, or click here to find out more and purchase rent guarantee insurance for your properties.

  • For the insurance to be valid your tenant(s) must have passed referencing or have a guarantor who has passed referencing. Find out more about tenant referencing here.

    If you take out the policy after the tenancy has started, there will be a 60-day exclusion period before a claim can be submitted. If a tenant is already in arrears there will be no cover under this policy.

Get in touch

Talk to us about rent guarantee insurance
01603 216399
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Kate Truelove

Insurance Adviser

Kate has worked for Alan Boswell in the landlords and personal lines department since 2009, she began employment within the insurance industry in 2003.

Leah Mayes
Leah Granger

Insurance Adviser

Leah has worked in insurance for 10 years and joined Alan Boswell Group in 2009. She works within the Personal Lines department and specialises in…

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Amanda Riches

Insurance Adviser

Amanda is an insurance adviser specialising in personal lines including landlords insurance, boat, motor, home and travel.

Policy downloads

Find out more about our Rent guarantee and Legal expenses cover by reading and downloading the policy summary and policy wording.

Rent guarantee and Legal expenses policy Wording

Rent guarantee and Legal expenses policy summary