Loss of Rent Cover

What does loss of rent cover do?

As a Landlord you need to protection for your income as well as your property.

Loss of rent cover protect you and your income in the event that your tenants have to move out after an insured event such as a flood or fire.

Loss of rent cover can protect your loss of income and the additional costs of arranging alternative accommodation on your tenants' behalf is also covered.

Why do I need loss of rent cover?

In some cases landlords are contractually obliged to provide alternative accommodation for the tenants so you could face the cost of rehousing your tenants if your property becomes uninhabitable.

Demands for your mortgage payments don't stop when your income does. So if you're a buy-to-let landlord with a mortgage to think about, it's important that you find landlord insurance that can help you through periods of loss of rent and spare you the agony of losing the property altogether.

Also some Mortgage lenders require rent loss insurance on any rental properties they've financed. So it's worth checking the details of your buy-to-let mortgage to ensure you have levels of cover you need.

When should I claim?

In the event of an insurable incident, for example fire or flood where your tenants can no longer stay in the property.

Keep in Mind

  • Online policy is underwritten by RSA Insurance Group PLC.
  • Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.

Other insurance covers available for landlords

Type of cover What is covered
Accidental Damage Accidental damage to the building and its fixtures and fittings. For example, if you or your tenants accidentally smash a window or drop something and crack a sink.
Buildings If your property is damaged and has to be repaired or rebuilt due to an insured event such as vandalism or storms.
Landlord's Contents Household items that you have provided for your tenants, such as soft furnishings or appliances, if they are damaged or destroyed by an insured event.
Subsidence, Landslip and Heave Damage to your property as a result of a movement in the ground supporting your property.
Property Owner’s Liability You are protected if a person is injured or if there is damage to their property as a result of your negligence.
Employer’s liability cover You are protected if an employee is injured or dies as a result of your negligence.
Legal Expenses Your legal expenses in proceedings such as contract disputes, debt recovery and evicting squatters.
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Get a quote online

Get a competitively priced Landlord insurance quote from one of the UK’s leading insurers, if you rent between 1 and 5 properties.

Get a quick quote online*

*Online policy is underwritten by RSA Insurance Group.

Please check you have all the cover you need by reading the policy documentation carefully (this will be provided during the quoting process).

More than 5 properties or need advice?

If you are unsure of the cover you need, or have more than 5 properties or complex requirements, call on:

0345 377 0006Call telephone number 0345 377 0006

(Lines available from 9am to 5pm Monday to Friday)

Commercial Landlord Insurance is brought to you by Arthur J. Gallagher Insurance Brokers Limited, one of the UK’s biggest insurance brokers. Their specialist advice will help you decide on the cover you need, and they’ll search among their panel of leading insurers to find you that cover at the right price. Cover details may vary based on insurer.

Information you'll need to provide

Whether you ask for a landlord insurance quote online (1-5 properties), need advice or have complex requirements (6+ properties), you'll need the following details to hand:

  • Details of the property/properties to be insured
  • Any claims you've previously made on the same property/properties
  • Any security protection at the property/properties
  • If you're a business, how many employees you have and what kind of work they do.

Keep in mind

Standard home insurance won't cover the extra risks you face as a landlord. For example, if a tenant is injured by a falling roof tile at your property or if a flood means your tenants have to move out for a while at your expense.

The small print

Please check you have all the cover you need by reading the policy documentation carefully (this will be provided during the quoting process).

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