What is Rent Guarantee insurance?

Our recent Landlord survey* showed that non-payment of rent was an issue for 67% of landlords who have experienced problems with a tenancy.

Even the most conscientious of tenants can sometimes become unable to pay their rent, in many cases a change in circumstances that are outside a tenant's control can impact their ability to pay the rent.  As a landlord any missed rental payments could impact your income or risk your ability to make mortgage payments for your buy-to-let investment. HomeLet's Rent Guarantee insurance, helps to ensure that you will still receive your rental income, should the unexpected occur. HomeLet Rent Guarantee Insurance covers missed rental payments and includes cover for legal expenses.

* 2017 landlords survey is based on 3,726 responses from UK landlords

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What's covered with HomeLet Rent Guarantee Insurance?

Our Rent Guarantee features a whole host of benefits, including:

  • Missed rental payments 
    Cover for rental payments for up to 12 months (with one month excess)
  • Continued cover when vacant possession is obtained
    50% of the rent is covered for three months after vacant possession is obtained, whilst the property is still unoccupied
  • Expert support when you need it most 
    In the event that a tenant breaches their tenancy agreement, our in-house Legal and Claims team will deal with the legal process for you 
  • Cover for Legal & Claim costs included as standard  
    Legal expenses covered up to the maximum sum insured of £50,000  

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feefo trusted service awards 2017 darkWhat do our customers say?

Our Landlord insurance has been given a customer experience rating of 4.6 out of 5 by 6136 of our customers, through independent feedback from Feefo.

You can see feedback from our customers on our Feefo page


How much does landlord Rent Guarantee insurance cost?

The cost of your premium will depend on the monthly rental amount for the property. This is the monthly amount payable under the tenancy agreement.

Do you need tenant references to take out landlord Rent Guarantee & Legal Expenses cover?

Any tenants in the property do need to be satisfactorily referenced in accordance with our conditions. This is required for each tenant named on the Assured Shorthold Tenancy Agreement and for the full rent outlined thereon. Tenants need to be referenced on a HomeLet Enhance reference check, which includes an employment check, affordability checks, credit checks showing no adverse credit history and previous landlord reference, if applicable.

Please note that cover purchased after tenants have moved in incur a 90 day no claims period. 

If you have any queries or have referenced your tenants by any other means please call our Landlord Insurance team on 0800 038 4574 - we're always happy to help (if you're calling from outside the UK you can call +44 152 2838 514).