Insurance experts warn that understanding where landlord obligations end and tenant responsibilities begin has never been more important, following the biggest legislative shake-up of the rental market in a generation.
The implementation of the Renters’ Rights Act on 1st May 2026 has transformed the relationship between landlords and tenants, introducing stronger protections for renters while placing greater legal and practical responsibilities on property owners.
While much of the public debate surrounding the legislation has focused on the additional rights afforded to tenants, insurance specialists at Everywhen, say an equally important conversation is emerging around the changing responsibilities both parties now carry and the growing importance of understanding them.
Among the most significant changes for landlords are new requirements to provide tenants with the official Renters’ Rights Act Information Sheet, maintain properties to a safe and habitable standard, comply with stricter electrical and gas safety requirements, respond promptly to issues such as damp and mould, and follow new rules governing rent increases and advertising. Blanket bans on pets are no longer permitted, while the abolition of Section 21 ‘no-fault’ evictions means landlords must now rely on legally recognised grounds when seeking possession of a property.
Tenants also have obligations under the Act
However, despite the expansion of tenant protections, renters continue to have clear responsibilities of their own. Paying rent on time, looking after the property, reporting damage promptly, avoiding anti-social behaviour and providing the correct notice when ending a tenancy, all remain fundamental obligations under the new system.
For insurers, brokers and landlords alike, the reforms signal a broader shift in how risk is managed across the private rented sector.
Everywhen’s Phil Morris, a property insurance expert and head of their business unit, said: “The Renters’ Rights Act represents one of the most significant changes the private rented sector has seen in decades. While much of the attention has understandably centred on new tenant rights, it’s equally important that landlords understand how their own responsibilities have evolved.”
“The legislation creates a clearer framework for both parties, but it also raises the stakes when it comes to compliance. Landlords who stay informed, maintain their properties proactively and understand where their legal obligations lie will be in a much stronger position to avoid disputes, minimise claims and protect their investment.”
“Equally, tenants continue to play an important role. Looking after the property, reporting issues early and meeting the responsibilities set out in the tenancy agreement all contribute to better outcomes for everyone involved. The most successful tenancies are built on both sides understanding their responsibilities from day one.”
