Renters' Rights Act: What Landlords' Insurance Rush Means for You
The government’s Renters’ Rights Act, which came into force in May, is reshaping the rental market — and landlords are taking action that could affect your housing costs and security.
The new law banned no-fault evictions and introduced fixed-term tenancies, giving renters stronger protections. But it’s also made landlords nervous about their income. According to property protection firm Rent Guarantor, landlords have been rushing to buy rent guarantee insurance and income protection products since the reforms kicked in.
What does this mean for you as a renter?
The immediate impact may be felt in your wallet. When landlords feel uncertain about rental income, some respond by raising rents or being more selective about who they let to. While the Renters’ Rights Act sets out new protections, it doesn’t directly control how much rent can increase — only that any rises must follow proper notice periods and be “reasonable”.
On the positive side, you now have stronger legal rights. The ban on no-fault evictions means your landlord can only evict you if they have a legitimate reason — like not paying rent or serious breach of tenancy terms. You also get the right to longer, more stable tenancies, which many renters have wanted for years.
If you’re renting or thinking about renting, here’s what to do:
Check your tenancy agreement. Make sure it reflects the new rules. If your landlord tries to include illegal clauses (like waiving your right to repairs), they’re not enforceable.
Know your rights. Visit the Citizens Advice website or Shelter for free, clear guidance on the Renters’ Rights Act and what it means for you.
Save for rent increases. While rises must be reasonable and follow proper notice, it’s wise to budget for potential increases and have a small emergency fund for housing.
Keep records. Document all communication with your landlord about repairs, maintenance, and rent payments.
The Renters’ Rights Act is still bedding in, and both renters and landlords are adapting. The key is knowing your rights and staying informed.