My tenant has a history of CCJs; will this invalidate my standard landlord insurance policy, or do I need specialist cover for high-risk tenants in the UK?
Quick Answer
A tenant's history of CCJs can affect landlord insurance, particularly for rent guarantee or legal expenses. Standard policies may not cover these risks, requiring specialist 'bad credit' tenant insurance for adequate protection.
About This Topic
Tenant CCJs won't invalidate standard landlord insurance but require specialist rent guarantee cover to protect against arrears. From April 2025, councils can levy up to 100% Council Tax premium on second homes.
This question is part of our Tax & Accounting category, providing expert guidance on UK property investment.
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