What does landlord rent guarantee insurance cover?
Rent guarantee insurance covers the monthly rental payment if your tenant doesn’t pay. All policies differ, but if you buy through us you get:
- Up to £50,000, with no monthly rental limit
- Lost rent for up to 12 months
- Up to £50,000 towards legal expenses
There’s no excess on rent guarantee cover bought through us.
You can only get tenant default insurance alongside legal expenses insurance when you compare quotes with us. Legal expenses insurance covers:
- Repossession of the property
- Eviction of tenants
- Recovery of rent arrears
- Access to legal advice
Along with legal expenses cover, you also need to have property owners’ liability insurance when you get landlord rent guarantee insurance.
Property owners’ liability insurance provides cover if a tenant or visitor seeks compensation for injury, or for damage to their possessions, at your rental property. You can choose between £2 million and £5 million of property owners’ liability cover.
What's not covered by rent guarantee insurance?
There’s certain things that rent guarantee insurance doesn't cover:
- Commercial properties
- Selling the property
- Certain types of tenant, such as students or the unemployed
- Contract disputes
- Tenants moving out
- When you start the policy
Commercial properties, like offices or places of work, aren't covered by rent guarantee insurance. Buf if you select commercial insurance when you get a quote, you can add rental income protection to your policy.
Selling the property means your rent guarantee insurance payments stop. The insurance stops when you put the property on the market, since there isn't any rent that's meant to be coming in.
Certain types of tenant, such as students or the unemployed, are often not covered by rent guarantee insurance as they’re viewed as being at higher risk of defaulting.
Contract disputes might not be included in the cover for legal expenses.
Tenants moving out means the landlord rent guarantee insurance payouts end. This includes if the tenants leave voluntarily or are evicted. You aren't covered while you find a new tenant.
When you start the policy could affect when you can claim. If you got rent guarantee insurance before the tenancy agreement was signed, you’re usually unable to claim on the policy for 90 days. This varies between providers, so check before you buy.
Types of landlord insurance
Buildings insurance
protects the permanent fixtures and structure of your home.
Contents insurance
protects your household belongings against theft, loss and damage.
Flat roof insurance
find home insurance for your flat or partially flat roofed property.
Home emergency cover
provides cover for emergency callouts from tradesmen like plumbers and electricans.
Landlord boiler cover
helps cover the cost of repairing or replacing your boiler if it breaks down.
Alternative accommodation insurance
covers the cost of alternative accommodation for your tenants should your property become uninhabitable.
What our home insurance expert says
Rent guarantee insurance gives you a safety net if your tenant can’t pay their rent for any reason. But when you get rent guarantee insurance through Confused.com you also have to have legal protection in place. This adds an extra layer of security to protect you from potential legal disputes with your tenants.

Jessica Willock
Home insurance product manager
Need more help?
How many properties can my rent guarantee insurance policy cover?
Rent guarantee insurance covers a single tenancy at 1 property. If you manage multiple tenants or have several properties in your portfolio, you need to have a rent guarantee insurance policy for each of them to stay protected.
How quickly can I get rent guarantee insurance on my property?
You can get cover as soon as you buy the policy. Once you've made your payment, the policy should protect your property from the date you set. This can be today or up to 30 days from when you get the quote.
Will my rent guarantee insurance policy still cover me if I change my tenant?
Yes, your rent guarantee insurance policy is linked to the property, not the specific tenants. So if you have new tenants move in, you should still be covered.
The new tenants need to have passed the usual checks and there needs to be a new tenancy agreement in place for the cover to remain valid.
Can I get a rent guarantee insurance policy if my tenants are already in arrears?
No - rent guarantee insurance is there to protect you in case something happens in future. When your tenants fall into arrears, you usually have around 60 days to make a claim on an existing rent guarantee insurance policy.
But you can't buy a policy to cover an issue that's already happening.
What if I have more than one tenancy agreement at the property?
If you have multiple tenant agreements at a single property, you need a separate rent guarantee insurance policy for each tenancy to stay covered.
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Confused.com Landlord Insurance is provided by Simply Business. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London EC2V 7NG. Our service is free and compares a range of trusted household names. Confused.com is an intermediary and receives commission from Xbridge Limited which is based on a percentage of the total annual premium if you decide to buy through our website. We pride ourselves on impartiality and independence – therefore we don't promote any one insurance provider over another.