Your property is insured.Is your rental income?
You insure the bricks and mortar.
You keep the property safe and compliant.
But if the rent stops, your mortgage and property costs don't.
Protect the income that keeps your investment working.
Rent & Legal Protection costs 2.1% of your annual rent, plus Insurance Premium Tax, with a minimum of £150 a year. Available on rents up to £3,000 a month. Cover subject to policy terms, conditions and eligibility.
Why The Landlord App
Anyone can sell you rent protection.
We help you stay ready to claim on it.
An arrears claim can hinge on a single expired certificate — one that lapsed before you served notice. Your policy is only as good as your paperwork, so we track your renewal dates and remind you before they run out.
A landlord's reality
You already protect your property
Gas safety
You keep the property safe and compliant.
EICR
You make sure the electrics are safe.
Buildings insurance
You insure the bricks and mortar.
Maintenance
You maintain your investment.
Insured versus uninsured
What if the rent stops?
Mediation, notice, court, legal costs, possession, bailiffs and lost rent can all add up. And it rarely happens quickly.
£2,000 monthly rent
One problem. Two very different outcomes.
| Cost breakdown (typical case example) | Without insurance | With insurance* |
|---|---|---|
| Mediation | £250 | £0 |
| Notice served | £250 | £0 |
| Court issue fee | £415 | £0 |
| Advocate / hearing fee | £180 | £0 |
| Legal possession costs | £800 | £0 |
| Bailiff & locksmith | £500 | £0 |
| Total legal costs | £2,395 | £0 |
| 3 months before notice can be served | £6,000 | £0 |
| Court delays — example 6 months | £12,000 | £0 |
| Bailiff delays — up to 6 months | £12,000 | £0 |
| Rent Arrears Cover — example £2,000 monthly rent paid by insurer | £0 | £12,000+* |
Mediation
Without insurance
£250
With insurance*
£0
Notice served
Without insurance
£250
With insurance*
£0
Court issue fee
Without insurance
£415
With insurance*
£0
Advocate / hearing fee
Without insurance
£180
With insurance*
£0
Legal possession costs
Without insurance
£800
With insurance*
£0
Bailiff & locksmith
Without insurance
£500
With insurance*
£0
Total legal costs
Without insurance
£2,395
With insurance*
£0
3 months before notice can be served
Without insurance
£6,000
With insurance*
£0
Court delays — example 6 months
Without insurance
£12,000
With insurance*
£0
Bailiff delays — up to 6 months
Without insurance
£12,000
With insurance*
£0
Rent Arrears Cover — example £2,000 monthly rent paid by insurer
Without insurance
£0
With insurance*
£12,000+*
Potential impact
Typical case
Without insurance
£32,395+
With insurance*
£0 out of pocket*
Rent protection pays monthly, subject to policy
*Illustrative example only. Rent Arrears Cover and legal costs are subject to policy terms, conditions, limits, exclusions and a valid claim. Actual possession times and costs will vary.
Court fees and possession timescales: Sources: HM Courts & Tribunals Service, Civil court fees (EX50), 13 July 2026; Ministry of Justice, Mortgage and landlord possession statistics: January to March 2026 (Accredited Official Statistics), 21 May 2026.
The median time from landlord possession claim to repossession by county court bailiffs in England and Wales was 26.4 weeks in January to March 2026 — around six months. Within that, the median time from claim to order was 8.0 weeks, claim to warrant 15.9 weeks, and warrant to repossession 9.4 weeks.
Source: Ministry of Justice, Mortgage and landlord possession statistics: January to March 2026 (Accredited Official Statistics), 21 May 2026.
Before the keys change hands
Would you hand over the keys if the story didn't add up?
A referencing PASS is valuable, but modern rental fraud isn't always obvious. Before handing over the keys, ask one more question:
Does the story add up?
Why The Landlord App vs a standard policy
The difference is what happens before you claim
Every provider sells a policy. The question that decides whether it pays out is whether your paperwork is in order when the moment comes.
| A standard policy | The Landlord App | |
|---|---|---|
| Pays your legal costs | Usually | Yes |
| Replaces lost rent while you wait | Only with a rent guarantee | Yes |
| Tracks your certificate renewal dates | Not usually included | Yes |
| Reminds you before a certificate expires | Not usually included | Yes |
Draft for review — this comparison is illustrative and awaiting compliance sign-off before publication. “A standard policy” describes cover commonly available and is not a statement about any named provider. Cover is subject to policy terms, conditions, limits and exclusions.
Rent and Legal Protection
Protect your investment
If a tenant stops paying, the insurer can pay the rent while possession proceeds, and the legal costs of getting possession are covered.
From £12.50 a month*
2.1% of your annual rent, plus Insurance Premium Tax. Minimum £150 a year, no administration fee.
*From the minimum premium of £150 a year, which is £12.50 a month. The premium is 2.1% of your annual rent with Insurance Premium Tax added on top, subject to that minimum. At our highest eligible rent of £3,000 a month the annual price is £846.72. Available on rents up to £3,000 a month. Cover subject to policy terms, conditions, limits, exclusions and eligibility.
What the policy covers
Rent Arrears Cover
Insured rent while possession proceeds, subject to policy terms and limits.
Legal Costs
The legal costs of recovering possession where the claim is covered.
Possession Support
Guidance through the possession process from notice to enforcement.
What we do to help you stay claim-ready
We track your key dates
Tell us when your Gas Safety Certificate, EICR and EPC are due for renewal and we keep those dates against the tenancy.
We remind you before they expire
A certificate that lapses before you serve notice can undermine a claim, so we warn you in good time to renew.
We're there at claim time
You don't hand over your paperwork up front. When you need to claim, we tell you exactly what's needed and help you get it right.
Common questions
The things landlords ask us
My letting agent already arranges rent protection. Do I need this?
Agent-arranged cover varies a lot, and the small print is where it counts. Two questions are worth asking your agent: what is excluded, and who is responsible for keeping your compliance documents valid so a claim can be paid?
With The Landlord App, we help you understand the key compliance requirements, track the renewal dates you give us and remind you before they expire. Your cover is held in your name, so it isn’t tied to staying with one letting agent.
I've had the same tenant for years and never had a problem. Why now?
Most tenancies work perfectly well. What has changed is the process if one doesn't. From 1 May 2026 the ground 8 rent arrears threshold rose from two months to three months' unpaid rent for a monthly tenancy, and the notice period rose to four weeks. The threshold must be met both when notice is served and at the hearing.
Source: Renters' Rights Act 2025, commenced 1 May 2026 (see also MoJ commentary in the Q1 2026 possession statistics), 1 May 2026.
Am I covered if my tenant is already behind on rent?
No. Like all insurance, cover has to be in place before a problem starts. You cannot insure against something that has already happened.
If you are already dealing with arrears or a dispute, we may still be able to point you towards legal assistance.
How is the price worked out?
Rent and Legal Protection is 2.1% of your annual rent, with Insurance Premium Tax added on top, subject to a minimum of £150 a year. There is no administration fee. It is available on rents up to £3,000 a month.
Who actually pays a claim?
The Landlord App arranges the cover; the insurer underwrites the risk and pays the claim. You can see who carries the risk and the statutory protections that apply in our regulatory information.
Landlord finance
Buying another property? Refinancing?
Looking at a Buy-to-Let mortgage or considering bridging finance?
Referral route remains subject to Mortgage Taylors' approved regulatory and referral wording.
Existing dispute
Already have a problem but don't have insurance?
Cover needs to be arranged before the problem occurs. If you're already dealing with an issue, we may still be able to point you towards legal assistance.
Existing dispute = legal help. Future risk = insurance. Legal referral subject to provider approval.
Recent insights
Landlord answers
Legal Expenses Cover vs Rent Guarantee — What's the Difference?
Two kinds of landlord cover protect against two very different losses. One pays your legal costs. The other replaces the rent while you wait. Here is how they compare.
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Section 8 Has Changed – What Landlords Need to Know
Since 1 May 2026, ground 8 rent arrears claims require three months' arrears at both the notice date and the hearing date, and the notice period has risen to four weeks. If your Section 8 notice is out of date, your possession case can fail before it reaches court.
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How Tenants Delay Possession Claims
Tenants can delay possession through disrepair counterclaims, requests for adjournments, or by disputing notice validity. Having watertight documentation — correct notices, valid certs, accurate rent logs — reduces the tactics available to delay.
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The New Form 3A – What You Must Know
Form 3A replaces the old Section 21 notice format. It requires additional information about the tenant's rights and property compliance. Serving the wrong form, or an incomplete one, can void your notice entirely.
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The 7 Most Common Reasons Rent and Legal Protection Claims Are Declined
Claims are declined more often than landlords expect. In many cases, the issue is not the tenant — it is a compliance failure, late notification, or a mistake made months or even years before the claim is submitted.
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Fake NHS References
Fraudulent tenant references are increasingly common. Always verify references independently and keep copies on file — they may be requested during a claim.
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