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The private rental sector is under attack from the government, just like small business, sole traders, pubs, farmers and anyone else they don\u2019t 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. <\/p>\n
Here\u2019s the word from Alps;<\/p>\n
Alps, a leading MGA specialising in insurance add-on policies, legal expenses, and claims solutions for intermediaries,\u202fhas 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\u2019 Rights Act.<\/p>\n
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.<\/p>\n
From 1 May 2026, Section 21 \u201cno-fault\u201d 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.<\/p>\n
The product is available on a standalone basis or add on to a landlord\u2019s home insurance policy.\u00a0 It includes:<\/p>\n
Up to \u00a350,000 of advisers\u2019 costs to pursue legal action(s) for breaches of the tenancy agreement, eviction proceedings, and rent arrears
\nUp to \u00a350,000 of advisers\u2019 costs to pursue tenants for costs incurred in rectifying damage
\nUp to \u00a350,000 of advisers\u2019 costs to pursue a legal action for nuisance or trespass claims
\nUp to \u00a350,000 of advisers\u2019 costs to pursue a legal action to evict \u201csquatters\u201d or ex-tenants
\nUp to \u00a350,000 of advisers\u2019 costs to defend civil and criminal prosecutions brought against landlords
\nUp to \u00a31,000 court attendance expenses for any one claim.
\nFree access to Alps\u2019 24\/7 claims notification Helpline<\/p>\n
This latest enhancement follows the launch of Alps\u2019 Pet Damage Protection product, developed in response to the strengthened framework around tenants\u2019 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.<\/p>\n
Michelle O\u2019Reilly, Managing Director at Alps, commented:<\/p>\n
\u201cAs reforms under the Renters\u2019 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.\u201d<\/p>\n
Alps offers a broad suite of add-on covers including\u202fsole trader, commercial,\u202flandlord\u202fand\u202ffamily\u202flegal expenses;\u202fmotor-related add-ons, including excess protect, tools in transit,\u202fvehicle replacement, road rescue;\u202fand\u202fproperty-related add-ons, including landlord\u202fexcess protect and\u202fhome emergency, key cover\u202fand\u202fsecond property legal expenses.\u202f\u202fThe capacity for its products comes from a growing panel of\u202fhighly capitalised\u202finsurers, and it operates a number of delegated authority arrangements,\u202fallowing it to offer brokers a fast and efficient service.<\/p>\n
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