The private rental sector is under attack from the government, just like small business, sole traders, pubs, farmers and anyone else they don’t like. The result is that Landlords will need much tighter contracts, probably face legal claims from tenants and charites after disputes and pay more taxes on any profits made, subject to 5 HMRC returns per year of course.
Here’s the word from Alps;
Alps, a leading MGA specialising in insurance add-on policies, legal expenses, and claims solutions for intermediaries, has announced the launch of its updated Landlord Legal Expenses and Rent Protection Product, designed and enhanced specifically to support landlords as they navigate the implications of the Renters’ Rights Act.
Built for a more demanding legal and regulatory environment, the updated policy gives landlords responsive, comprehensive protection against unexpected legal costs, expenses, and unpaid rent arising from tenant disputes and breaches of tenancy agreements.
From 1 May 2026, Section 21 “no-fault” evictions will be abolished, and the landscape will shift to tenants having more rights and robust protections. Having the right protection in place against unpaid rent and tenant disputes is more important than ever.
The product is available on a standalone basis or add on to a landlord’s home insurance policy. It includes:
Up to £50,000 of advisers’ costs to pursue legal action(s) for breaches of the tenancy agreement, eviction proceedings, and rent arrears
Up to £50,000 of advisers’ costs to pursue tenants for costs incurred in rectifying damage
Up to £50,000 of advisers’ costs to pursue a legal action for nuisance or trespass claims
Up to £50,000 of advisers’ costs to pursue a legal action to evict “squatters” or ex-tenants
Up to £50,000 of advisers’ costs to defend civil and criminal prosecutions brought against landlords
Up to £1,000 court attendance expenses for any one claim.
Free access to Alps’ 24/7 claims notification Helpline
This latest enhancement follows the launch of Alps’ Pet Damage Protection product, developed in response to the strengthened framework around tenants’ requests to keep pets, with landlords no longer being able to automatically refuse the request. Alps is building a suite of practical add-on products designed to give landlords the protection they need as the new regime takes effect.
Michelle O’Reilly, Managing Director at Alps, commented:
“As reforms under the Renters’ Rights Act reshape the private rented sector, landlords will face more complex and potentially longer dispute processes. Our enhanced Landlord Legal Expenses and Rent Protection product is designed to provide the specialist legal support and financial protection landlords need, while introducing more flexible pricing options that ensure cover remains accessible and aligned to rental values.”
Alps offers a broad suite of add-on covers including sole trader, commercial, landlord and family legal expenses; motor-related add-ons, including excess protect, tools in transit, vehicle replacement, road rescue; and property-related add-ons, including landlord excess protect and home emergency, key cover and second property legal expenses. The capacity for its products comes from a growing panel of highly capitalised insurers, and it operates a number of delegated authority arrangements, allowing it to offer brokers a fast and efficient service.
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