At Boydens, we know that being a landlord comes with its rewards, but also its fair share of risks. From late rent payments to full-blown legal disputes, the financial burden of dealing with a tenant who breaches their tenancy agreement can be crippling. That’s why we strongly recommend landlords consider Rent and Legal Insurance, a powerful tool that safeguards your income and provides legal support when things go wrong.

The Realities Landlords Face Today

While the majority of tenants are reliable and respectful, circumstances can change in an instant, job losses, relationship breakdowns, or disputes can leave landlords chasing rent or fighting to regain possession of their property, none of which can be highlighted as part of the referencing process.

Even when you have a rock-solid tenancy agreement, enforcement isn’t quick or easy. According to recent Ministry of Justice data:

• The average time taken from a landlord making a possession claim to regaining their property is now over 27 weeks.
• In some regions, it can take more than 8 months to evict a non-paying tenant through the courts.
• As of early 2025, possession orders are still being delayed by backlogs of 20,000+ cases.

This means landlords can face more than half a year without rent, all while still paying mortgages, service charges, or maintenance costs.

What Does Rent and Legal Insurance Cover?

A comprehensive Rent and Legal Insurance policy typically includes:

• Guaranteed rent payments for up to 12 months if your tenant defaults.
• Legal expenses cover—including solicitor fees, court costs, and bailiff action.
• Eviction support to regain possession of your property when needed.
• Cover for breaches of tenancy, including damage or antisocial behaviour.

This is peace of mind in a policy, so you’re not alone when disputes arise.

Worst Case Scenario Without Cover

Imagine this: your tenant stops paying rent in March. You serve notice, but they refuse to leave. Court dates are repeatedly delayed. You finally regain possession in October, 7 months later. You’ve lost over £8,000 in unpaid rent, spent another £2,000 on legal fees, and still have to refurbish the property before re-letting.

Without Rent and Legal Insurance, those costs come straight out of your pocket.

Partnering With Boydens for Protection

At Boydens, we believe in proactive property management. That’s why we offer access to a Rent and Legal Insurance product tailored for landlords like you, whether you’re letting a single flat or managing a portfolio.

✅ Comprehensive cover
✅ Competitive prices
✅ Trusted insurers
✅ Administered by our expert lettings team

Don’t wait until the worst happens. Speak to your local Boydens lettings expert today and ask how Boydens Rent and Legal Cover can protect your investment and give you the confidence to let with peace of mind.

📞 Contact us today or visit your nearest Boydens branch.