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Renters' Rights Act 2025 Comes Into Force — What It Means for Home and Landlord Insurance
Date: 1 May 2026 Source: GOV.UK / UK Parliament (with industry commentary from Hiscox and BIBA)
The first phase of the Renters' Rights Act 2025 officially came into force on 1 May 2026, bringing in the biggest changes to the private rented sector in a generation. The reforms scrap Section 21 "no-fault" evictions, end fixed-term tenancies, and introduce new rules on rent increases, pets, and discrimination against tenants with children or in receipt of benefits (UK Government, 2026).
For homeowners, landlords and small property businesses, the changes have important implications for insurance. With possession of a property now generally going through the courts, eviction timelines could become longer and more expensive. Industry analysis cited by GB News estimates eviction costs can run from £12,708 to £19,223 once lost rent is factored in, with London landlords facing the highest bills. Hiscox's Landlord Insurance Product Lead Michael Dear has confirmed that the Act "brings greater security and clearer protections for tenants, including limits on rent increases and the end of fixed-term tenancies", which makes rent guarantee and legal expenses cover more important than before (UK Government, 2026).
For ICUK Insurance home insurance customers — including those who let out a room, own a buy-to-let property or operate a small portfolio — now is a good time to review your cover. Make sure your policy reflects how the property is used, the level of legal expenses protection you have, and any rent guarantee options. ICUK Insurance can help you search for tailored home insurance quotes that match your situation under the new rules.
Reference: UK Government (2026) 'Renters' Rights Act 2025', legislation.gov.uk, 1 May. Available at: https://www.legislation.gov.uk/ukpga/2025/26/contents (Accessed: 2 May 2026).