Updated October 2026 · Fraser Bond
Landlords · Insurance
Rent guarantee insurance
Unpaidrent
Legalcosts
Referencingrequired
Excessperiods
In short: Rent guarantee insurance pays the rent if a tenant falls into arrears, usually until vacant possession or a limit, and often includes legal expenses for a possession claim. Policies normally require the tenant to pass referencing before the tenancy starts, and many have an excess period of a month or so. Check exclusions, such as existing arrears and tenancies not referenced to the insurer's standard. With Section 21 abolished and possession cases taking longer, many landlords now see this cover as more valuable.
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Is it worth it?
It can be, especially for higher rents or tenants with limited history.
Does it replace a guarantor?
Not always; some landlords use both.
Want protected rental income?
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