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Loss of rent insurance

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Trusted by 600,000 customers

Insuring businesses and landlords for over a decade

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Satisfaction score of 9/10

For public liability insurance

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Award-winning claims team

With a UK-based team available 24/7

Built for landlords – your income protection

If a crisis hit and your tenants had to move out, what would be the cost to you, in rent? Loss of rent cover protects you against this risk. The insurance pays out in the event of a claim for loss or damage caused, for example by fire or flood, that means your tenants can no longer stay in the property.

Loss of rent vs tenant default – loss of rent insurance won’t protect you against your tenants simply defaulting on their rent. That’s covered by tenant default insurance (sometimes called rent guarantee insurance).

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Landlord insurance covers

  • Buildings insurance
  • Contents insurance
  • Fixtures and fittings insurance
  • Property owners' liability
  • Alternative accommodation insurance
  • Employers’ liability
  • Accidental damage insurance
  • Landlord home emergency cover
  • Landlord boiler breakdown cover
  • Unoccupied property insurance
  • Tenant default insurance
  • Rent guarantee insurance
  • Landlord legal expenses insurance

alternative accommodation

What is alternative accommodation cover?

If you’re contractually obliged to provide alternative accommodation in the event that your property becomes uninhabitable, alternative accommodation insurance will cover this cost. The property must be uninhabitable because of a specified and insured event in order for this cover to pay out.

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What will loss of rent insurance cover?

In most cases landlords are not contractually obliged to provide alternative accommodation. In these circumstances, if your property becomes uninhabitable as a result of an insured event like fire or flood, loss of rent insurance will cover the income you’ve lost as a result of your tenants no longer paying rent.

Landlord insurance FAQs

  • What is landlord insurance?
  • What does landlord insurance cover?
  • Why do I need landlord insurance?
  • Why not just home insurance?
  • Is landlord insurance mandatory?
  • How much does landlord insurance cost?

More FAQs

  • What type of landlord insurance do I need?
  • How much landlord insurance do I need?
  • How do I find cheap landlord insurance?
  • How much tax does a landlord pay?
  • Landlord insurance FAQs

Read more about

  • Landlord insurance
  • Residential landlord insurance
  • Commercial landlord insurance
  • Buy-to-let insurance
  • Landlord covers

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It is a very good and easy to use service. I've been a customer for several years and the renewal system is very straight forward. I've always found the quotes competitive too. I'd definitely recommend Simply Business.

R Matthews, Handyman

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Landlord insurance
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Landlord insurance covers
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Loss of rent insurance

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© Copyright 2020 Simply Business. All Rights Reserved. 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.