Tag: loss of rent

Rent Guarantee Insurance – Does It Really Work for Landlords?

Author: Mark Alexander - Founder of Property118

27th January 2026, 10 months ago | 0

Tenant default is one of the biggest risks for landlords. Even with strong referencing, job losses, illness, or disputes can...

Underinsurance and the Average Clause – Avoiding Reduced Payouts

Author: Mark Alexander - Founder of Property118

6th January 2026, 10 months ago | 0

Underinsurance is one of the most expensive mistakes a landlord can make. If your sum insured is too low, insurers...

Illegal Activity by Tenants – Are You Covered?

Author: Mark Alexander - Founder of Property118

23rd December 2025, 11 months ago | 2

One of the worst-case scenarios for landlords is discovering that tenants have used a rental property for illegal activity. Cannabis...

Flood Risk and Landlord Insurance – What You Need to Know

Author: Mark Alexander - Founder of Property118

16th December 2025, 11 months ago | 0

Flooding is one of the fastest-growing risks for UK landlords. Climate change, heavier rainfall, and overloaded drainage systems mean more...

Subsidence and ground movement – What landlords need to know

Author: Mark Alexander - Founder of Property118

9th December 2025, 11 months ago | 1

Subsidence is one of the most disruptive and time-consuming perils a landlord can face. Unlike a burst pipe or storm...

New Builds vs Older Properties – Landlord Insurance Considerations

Author: Mark Alexander - Founder of Property118

2nd December 2025, 11 months ago | 0

Not all rental properties are created equal in the eyes of insurers. New builds and older properties carry very different...

Unoccupied rental properties – What insurance covers

Author: Mark Alexander - Founder of Property118

25th November 2025, 12 months ago | 0

Every landlord experiences voids from time to time, but few realise how quickly insurance cover changes when a property is...

Holiday Lets and Airbnb – What’s Covered and What’s Not

Author: Mark Alexander - Founder of Property118

18th November 2025, 12 months ago | 0

Short-let properties are not the same as standard buy-to-lets from an insurer’s point of view. Higher guest turnover, longer unoccupied...

Supported Living and Care Sector Tenants – Insurability Issues

Author: Mark Alexander - Founder of Property118

11th November 2025, 1 year ago | 0

Supported living and care sector arrangements are increasingly popular among landlords, with specialist providers offering long leases and reliable rent....

Student Let Landlord Insurance – What You Need to Know

Author: Mark Alexander - Founder of Property118

4th November 2025, 1 year ago | 0

Letting to students can be highly profitable, but it comes with a unique set of risks. Higher tenant turnover, seasonal...

HMOs – Do You Need Different Insurance?

Author: Mark Alexander - Founder of Property118

28th October 2025, 1 year ago | 0

Houses in Multiple Occupation (HMOs) carry different risks from standard single-lets. Multiple unrelated tenants, higher footfall, more complex fire safety...

Fire in a Rental Property – How Insurance Responds

Author: Mark Alexander - Founder of Property118

14th October 2025, 1 year ago | 0

A fire in a rental property is every landlord’s nightmare. Aside from the immediate safety concerns, fires can trigger complex...

Case Study: A Burst Pipe in Winter – Who Pays?

Author: Mark Alexander - Founder of Property118

7th October 2025, 1 year ago | 0

Winter is one of the riskiest times for landlords. When temperatures drop, pipes can freeze and burst, causing widespread water...

Loss of Rent vs Rent Guarantee, What is the Difference?

Author: Mark Alexander - Founder of Property118

23rd September 2025, 1 year ago | 0

These phrases are often used interchangeably, yet they insure two very different risks. Loss of rent responds when your property...

What Landlord Insurance Actually Covers (and What It Doesn’t)

Author: Mark Alexander - Founder of Property118

2nd September 2025, 1 year ago | 0

Landlord insurance is essential, yet many property investors are unsure what it really covers. Some assume a standard home policy...

What will landlord insurance look like if proposed government measures are imposed?

Author: Readers Question

8th August 2024, 2 years ago | 9

Hi, Until now I have been happy and confident with my landlord insurance packages and their level of cover. Moving...