Rentguard Insurance

Business Details

25 Years

experience

Trusted Insurance Solutions for Landlords and Property Owners

Rentguard Insurance was established in 2001 to provide bespoke insurance solutions for the residential and commercial lettings market. We operate as a trading name of Arthur J Gallagher Insurance Brokers Limited, authorised and regulated by the Financial Conduct Authority. With over 18 million in annual gross written premiums, we serve more than 100,000 individuals through a network of 800+ sub-brokers and agents across the UK. Our focus is on delivering comprehensive insurance products at competitive prices while maintaining a reputation for excellent customer service. We prioritise rapid claims handling, prompt resolution of queries, and a one-stop solution tailored to landlords' needs.

Our commitment to ethical practices aligns with our corporate social responsibility statement, ensuring integrity in all stakeholder relationships. We guarantee calls answered within three rings and offer multiple contact methods for client convenience. Our product lines are continually reviewed to ensure they meet evolving market demands. We pride ourselves on fostering close partnerships with clients and providing dedicated support to grow their businesses. Our services include residential landlord insurance, commercial property insurance, tenant referencing, and holiday home coverage.

Services

Residential Landlord Insurance Commercial Property Insurance Home Insurance Tenant Referencing Holiday Home Insurance

Details

Year established: 2001

Highlights and features

We have over 20 years of experience in property insurance since 2001
We guarantee rapid claims handling and prompt query resolution
Our products are tailored to meet individual client requirements
We work with 800+ sub-brokers and agents across the UK
We are regulated by the Financial Conduct Authority (FCA)

Associations and certifications

Financial Conduct Authority

Website

Update Listing

Services

Residential Landlord Insurance

Our Residential Landlord Insurance covers buy-to-let properties including HMOs, bedsits, and flats. Policies include loss of rent cover up to 30% of buildings sum insured, property owner's liability up to 5,000,000, and 'new for old' replacement. We offer competitive rates starting at 1.80 per 1,000 sum insured with flexible excess options for professional and non-professional lets. This service caters to landlords with single properties or portfolios across the UK.

Commercial Property Insurance

Commercial Property Insurance protects businesses in offices, restaurants, dental surgeries, warehouses, and other commercial premises. Coverage includes material damage, accidental damage, subsidence (postcode dependent), and up to 2,000,000 property owner's liability. We provide specialist unoccupied commercial property insurance and portfolio solutions combining residential and commercial properties. This service supports businesses with varying risk profiles across the UK.

Tenant Referencing

Tenant Referencing service verifies tenant suitability through credit checks, employment confirmation, and residency verification. Required for insurance claims, it includes 4-point checks for employed tenants and full profiles for DSS, students, and self-employed individuals. The service helps landlords mitigate rental payment risks and meet insurance policy requirements. Provided through FLS Tenant Referencing, a third-party specialist.

Holiday Home Insurance

Holiday Home Insurance protects UK second homes against storm damage, flood, fire, theft, and subsidence. Policies include public liability insurance, domestic employers liability, and loss of rent coverage. Suitable for properties let through platforms like Airbnb or used privately. Coverage extends to gardens, outbuildings, and unoccupancy periods subject to insurer terms. Available as part of landlord household or home insurance policies.

Tenant Contents Insurance

Tenant Contents Insurance covers loss or damage to personal belongings in rented properties from fire, theft, and accidental damage. Includes up to 2,000,000 public liability cover and protection for home entertainment equipment, mirrors, and glass. Offers temporary removal of contents and alternative accommodation during repairs. Designed for residential tenants including students in shared accommodation across the UK.

Questions

What types of property insurance do you offer?

We offer residential landlord insurance, commercial property insurance, holiday home insurance, tenant contents insurance, and legal expenses & rent guarantee policies across the UK.

How quickly are insurance claims handled?

We prioritise rapid claims handling with dedicated support to resolve claims efficiently and professionally as per our service commitments.

Do you cover unoccupied properties?

Yes, we provide specialist insurance for unoccupied commercial properties and include limited unoccupancy coverage for residential properties subject to policy terms.

What payment options are available?

We offer one-off annual payments or monthly instalments via Direct Debit for most insurance products.

Are there discounts for multiple properties?

Yes, our portfolio insurance solutions offer significant savings for landlords with multiple properties under one policy.

Reviews (5)

Write a Review

Jr Property

Oct 16, 2021 Report

As a portfolio landlord, my experience with RENTGUARD have been poor. They are not reliable and service is pathetic. I had to chase multiple times for the update as i had to wait more than 7 days for the reference. If you rely on their service, you will definitely LOSE your business. I had to override or scrutinize their report carefully before making decision on prospective tenant's application.

If you are a passive hands off landlord, you can not fully rely on their service or report. I had to ask for extra documents myself to check tenants affordability and landlord references etc. Today i

Chorgox Mongox

Aug 05, 2021 Report

As a tenant I used the system twice, never had a problem with my application, If i don't count that they are slow, customer service is painful lazy and amateur in a good day. However they are very good to give excuses and to take always the slowest way to get an answer. I think is an ideal service if you like to have a unreliable and slow service, and like to argue with mean people on the phone.

Emily Shaw

Aug 04, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Amazing service from Justin at Rentquard Insurance! Beautifully spoken, polite, professional and timely. He couldn't have done more to help or make the process any easier!

Herr

May 28, 2021 Report

Terrible, terrible referencing agency. Use antiquated systems to reference which hinders anybody self-employed. Hung up on me on the phone twice, will not accept a work contract or payslips as proof of income, failed myself and my guarantor despite the fact both of us each can afford the rent 3 times over. If I could give a lower rating I would.

Vincent

Apr 26, 2021 Report

Critical:Professionalism,Quality,Responsiveness,Value
Unresponsive, bureaucratic and utterly incompetent. Literally go anywhere else