Rent Guarantee Insurance for Landlords
Protect Your Rental Income with Confidence
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01273 827090
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We understand that your rental property is more than just an investment — it’s a reliable source of income. Our Rent Guarantee Insurance for landlords is designed to protect your rental income and provide complete peace of mind if your tenants fall behind on payments.
What is Rent Guarantee Insurance?
Rent Guarantee Insurance ensures you continue to receive rental income even if your tenant fails to pay rent. Whether due to unexpected financial difficulties or ongoing arrears, this landlord insurance cover helps protect your cash flow and minimise financial risk.
With the right protection in place, you won’t have to worry about missed payments affecting your property investment returns.
Why Choose Our Rent Guarantee Insurance?
Our rent guarantee insurance policy stands out from many others on the market:
- Covers both new tenancies and long-standing tenants
- You may still qualify even if your tenant has been renting for years
- Helps maintain consistent rental income
- Reduces stress associated with tenant non-payment
Unlike standard policies, our flexible cover is designed with real landlords in mind — offering protection where others may not.
What is covered?
- 12 Months rent guarantee – Cover for unpaid rent for 12 months.
- Legal expenses – cover for the cost of pursuing eviction or recovering rent arrears.
- Eviction support – a 24 hour legal helpline.
- Full eviction support – assistance with regaining possession of your property.
- Tenant default protection – cover for tenant damage, rent recovery, squatter protection, property protection and more.
Why choose Iinsure 365?
- Competitive premiums tailored to your property portfolio
- Fast and straightforward application process
- Expert support from experienced insurance brokers
- Access to leading UK insurers
- Flexible cover options to suit your needs
What is it for?
Rent Guarantee Insurance is best for:
- Private landlords
- Portfolio landlords
- Letting agents managing properties
- First-time landlords looking for added security
Two Ways to Qualify for Cover
(3+ Years in Situ)
If your tenant has lived in the property for over 3 years and has never missed a rent payment, you qualify for immediate cover.
No credit checks required.
Simply provide the property details and we can put the policy in place.
Option 2: New Tenancies or Tenants Under 3 Years
If the tenant has been in the property for less than 3 years, credit referencing is required.
We cannot cover tenants already in situ unless they meet Option 1 criteria.
However, for new lets, we can provide cover up to 45 days before the tenancy begins, provided referencing is completed.
Have questions? Our friendly team is here to help you choose the right level of cover and ensure your property is fully protected. Speak to an expert now
Documentation Required
You will need:
- a) A satisfactory credit reference check (within 45 days of tenancy start) showing:
- No CCJs in the last 3 years
- No outstanding CCJs
- No bankruptcies
- Tenant meets affordability and referencing standards
- b) Employer confirmation (if applicable) showing:
- Gross annual salary
- Employment for at least 6 months
- c) For self-employed tenants/other income sources:
- Last 2 years’ tax returns
- 3 months’ bank statements
- Accountant’s letter confirming current income
- d) Affordability Test
- Tenant must earn 30× the monthly rent
- Guarantor must earn 50× the monthly rent
- For HMO/student lets: all tenants must be referenced; guarantors’ combined income must meet the 50× rule
What’s Included in the Policy?
- Rent recovery
- Tenant eviction
- Tenant damage
- Legal defence
- Squatter protection
- Property protection
- Rent guarantee
What’s Not Covered?
- Prior claims
- Prior costs or expenses
- Dishonesty
- Criminal acts
- Fraud
How It Works
- You take out a Rent Guarantee policy
- Your tenant stops paying rent
- You notify us immediately
- The insurer steps in to cover missed payments (subject to policy terms)
- Legal support is provided if eviction becomes necessary
Get a Quote Today
Don’t leave your rental income to chance. Protect your investment with Rent Guarantee Insurance from iInsure365.
Get in touch today for a free, no obligation quote. Call us on 01273 827090 or enquiries@iinsure365.co.uk
Speak to an Expert
Have questions? Our friendly team is here to help you choose the right level of cover and ensure your property is fully protected.