Why Rent Protection is Essential in 2025

Wed 02 Jul 2025

Sara Grey, Lettings Manager

In an evolving rental landscape, protecting your income is no longer a luxury - it’s a necessity.

With the Renters Reform Bill (RRB) set to reshape landlord-tenant relationships, having robust insurance coverage is more important than ever. That’s where Wills & Smerdon’s Goodlord Rent Protection and Legal Expenses Insurance steps in. It's not just a policy - it’s peace of mind.

Why Protection Matters Now More Than Ever

The upcoming changes with the RRB, including the abolishment of Section 21 ‘no-fault’ evictions and the shift to periodic tenancies, will make it harder for landlords to quickly regain possession of their properties. If a tenant stops paying rent, the legal process could take significantly longer, meaning landlords could face extended periods without rental income. This is where Rent Guarantee Insurance becomes invaluable.

Real Stories, Real Support

Take it from one of our long-standing landlords, Karen Roles: “I recently encountered a challenging situation when tenants defaulted on their rent and left my cottage in an unrentable condition. My Rent Guarantee Insurance was a lifeline. It covered rent arrears and supported me through the entire process until we could re-let the property. I wouldn’t consider renting without it.”

What’s New in 2025: Key Features from Goodlord’s Policy

Our updated Rent Protection and Legal Expenses policy offers one of the most comprehensive packages on the market:

✅ 100% of rent paid until vacant possession – no monthly limit.
✅ Nil excess if you claim within the first 45 days.
✅ £100,000 cover for legal expenses, including appeals and representation.
✅ £1,000+ on top of the deposit for damage disputes over £1,000.
✅ 90% of rent for six weeks after repossession (if we re-let for you).
✅ Cover for increased rent (e.g. following a Section 13 notice).
✅ Eviction support for squatters and help with associated costs.
✅ First month’s rent protected if the tenant takes possession but fails to pay.
✅ 90-day claim window from the first missed payment.
✅ Automatic renewal, so you’re never left unprotected.
✅ Alternative accommodation for landlords unable to move back in.

These updates are designed to give landlords full confidence that they won’t be left out of pocket, no matter the situation.

How We Make It Easy

We work with Goodlord across our entire lettings journey - from tenant referencing to contract creation - so setting up this insurance is seamless. The claims process is automated, meaning less admin and faster outcomes. You’ll be updated at every stage of your claim, and our team is always on hand to help.

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Don’t Wait for Trouble

The rental landscape is changing fast. The security you have today may not be enough tomorrow. Make sure you're protected before the RRB comes into effect.
Call us on 01483 284141
Or email [email protected] to speak to Sara Grey about getting your Rent Protection set up.