What is Rent Arrears Cover?
Rent Arrears cover protects you if your tenants can’t afford to pay their rent.
If you add Rent Arrears to your Landlord Insurance, we'll cover any unpaid rent (up to a maximum of 12 months for any one claim) while your tenants are still in the property.
Churchill’s Rent Arrears Cover gives you peace of mind if you’re losing rent, so you don’t have to worry about keeping up with your mortgage payments.
You can claim if your tenants haven’t paid their rent for 30 days.
Rent Arrears Cover is subject to satisfactory references for each tenant (and a guarantor where applicable) from a referencing service and that you keep up-to-date rental records.
Rent Arrears cover is also commonly known as Rent Guarantee or Tenant Default cover.
How do I get Rent Arrears Cover?
You can’t buy Rent Arrears cover on its own.
It’s part of our Legal Expenses cover – an optional extra you can add to our Landlord Insurance.
If you already have Landlord Insurance with us, you can take out Legal Expenses cover when you renew your policy and add Rent Arrears.
Rent Arrears cover is only available for residential property in the UK (not including the Channel Islands or the Isle of Man.
Other Landlord Insurance you might need
You can get Buildings Insurance alongside Contents insurance or Buildings only cover, if you don’t have any contents to insure.
You can get Contents Insurance alongside your Buildings Insurance. It covers you for the cost of repairing or replacing accidentally damaged furnishings and furniture.