The Renters’ Rights Act 2025 is set to bring the biggest changes to England’s private rented sector in decades. While much of the discussion has centred on tenant protections and changes to tenancy agreements, it’s equally important for landlords to consider how these reforms may influence their insurance arrangements. Akinyemi Oredein, Commercial Team Leader at Stanmore Insurance tells us more.
From my perspective as a Commercial Team Leader, the key message is that legislative change often has a knock-on effect across the insurance market. Insurers continually assess risk, and when the legal environment changes, underwriting practices often evolve alongside it.
The proposed abolition of Section 21 “no-fault” evictions, together with stronger tenant protections and periodic tenancies, could affect how insurers view certain landlord risks. Longer tenancy durations and potentially more complex possession processes may increase the length of time a property remains occupied where disputes arise, which could lead insurers to review their pricing models and policy conditions over time.
Although it is too early to say exactly how premiums will respond, landlords should expect insurers to place greater emphasis on robust property management, regular maintenance, thorough tenant referencing and compliance with all legal obligations. Demonstrating good risk management has always been important, and it is likely to become even more so as the market adapts to the new legislation.
It’s also a timely reminder to review existing insurance policies. Landlords should ensure that sums insured remain adequate, policy covers reflect the way their properties are managed, and any legal expenses or rent guarantee products continue to meet their needs under the new regulatory framework. Speaking with an experienced insurance broker can help identify any gaps in cover before they become an issue.
While legislative reform inevitably creates uncertainty, it also presents an opportunity for landlords to reassess their overall risk management strategy. Those who stay informed, review their insurance arrangements regularly and seek professional advice will be in a stronger position to navigate the changing landscape with confidence.
As the insurance industry continues to respond to the Renters’ Rights Act, staying ahead of the changes will be essential. A proactive approach today could help protect both your investment and your long-term financial resilience tomorrow.
If we can help at all, contact us on 01204 570 370 or visit our website for more information on https://stanmoreinsurance.com/