Swap a Pint for Protection: Why Rent Guarantee Is a No-Brainer
Worried about rent arrears, legal costs or lengthy evictions? For the cost of a weekly pint, a glass of wine or your early morning latte, Rent Guarantee Insurance could protect your income and give you total peace of mind. In today’s uncertain rental market, it’s the smartest safety net a landlord can have...
Why Rent Guarantee Insurance Might Be the Smartest Decision You Make This Year
Landlords face enough uncertainty as it is.
Late rent. Evictions. Legal costs. Unexpected voids. All of it can quickly eat into your returns - and your sanity.
But what if we told you that you could remove a huge chunk of that risk…for the price of one pint, a large glass of wine, or your favourite Starbucks coffee?
It sounds like a sales pitch, but it's true: Rent Guarantee Insurance costs around £6.50 a week on average - and comparable with a pint, a wine or a posh coffee - and it could protect you from losing thousands in unpaid rent.
Here’s why so many smart landlords are choosing to get covered.
What is Rent Guarantee Insurance?
Rent Guarantee Insurance is a type of cover that protects your rental income if a tenant stops paying rent. If they default, your insurer steps in and pays the rent directly to you - usually for up to 12 months or until vacant possession is gained.
Most policies also include legal expenses cover, meaning the cost of court proceedings or eviction is taken care of too.
In short:
✅ Rent still paid even if the tenant isn’t paying
✅ Legal costs covered if you need to take action
✅ Total peace of mind
Why is Rent Guarantee so important now?
Let’s be honest - being a landlord used to be simpler!
But with the Renters' Rights Bill removing Section 21, extending notice periods, and increasing compliance demands, landlords now face a stricter eviction process and far more pressure to “get everything right”. Add to that:
- The rising cost of living
- A tougher economy for tenants
- Longer average eviction timelines
- And increasing tenant awareness of their rights
… and it’s easy to see how one missed payment could spiral into months of financial stress.
Rent Guarantee bridges the gap. It means that even if the system takes time, your income doesn’t stop.
Is it really only around the price of a pint?
Yes. Depending on the rent, a Rent Guarantee policy typically works out at £25–£30 a month - around £6–£8 a week (plus VAT)
What’s included with our cover?
At Cope & Co., Rent Guarantee comes as standard with LetSimple, our all-in-one landlord service. That means:
- Rent paid (even if the tenant doesn’t)
- NIL Excess
- Legal costs included
- Eviction support if required
- No extra fee surprises down the line
Or, if you just want the insurance as an add on, we can arrange a standalone policy too.
Case study: How one landlord avoided a £6,000 loss
One of our clients, Sarah, had a long-standing tenant suddenly lose their job and stop paying rent. Without Rent Guarantee, she would have lost six months of income while waiting for possession.
Instead? She received her full rent every month, and her legal fees were covered too. The cost of the policy? £28 a month.
The value of the outcome? Priceless.
Final thought: Is it worth it?
Let’s flip the question.
Can you afford not to have it? Rent Guarantee Insurance isn’t about expecting the worst - it’s about being prepared for it.
And in today’s market, where certainty is rare and rules are changing, that preparation is more valuable than ever.
Ready to get covered?
Get in touch to get a tailored quote for Rent Guarantee on your property.
We’ll show you how much it costs over 3, 6, 12 and 24 months - so you can compare it to what you're paying now.
Call me today...
