Housing benefit landlord insurance

Mobile Landlord - 2023
Landlord Image Quotes

Landlord Insurance AND Housing Benefits!

Hello landlords. If you're here because you want landlord insurance for housing benefit tenants, you've got it!

Also, if you want to find information about housing benefits in general, we've also got you covered.

What you'll learn...

  • Learn about what landlords need to know regarding DSS tenants
  • Learn about housing benefit and landlord insurance
  • Learn about how rates are worked out by the DWP
  • Get access to the housing benefit calculator provided by our friends at QuickCalc
  • Use the free comparison tools to compare insurance prices
  • And everything else about housing benefits and renting to tenants

Here we go, learn about claims, eligibility, how long it takes, and so on...

Cover DSS tenants - get a quote now >

Table of Contents

Part One

Add your own experiences if you've ever dealt with a DSS tenant here.

Part Two

Got a story you would like to tell, click here to tell us here and we'll publish it on this website for others to see and learn from.

Part Three

Send your dramas in here if you had a bad or good experience when dealing with unemployed tenants. Send it in by clicking here.

Part Four - Free Landlord Tools

How does housing benefit work for landlords?

When a tenant claims, benefits, they get the option to claim expenses for their rent if they have a landlord. They fill in DWP forms and wait for an answer within a month or sooner.

It can take longer in some cases, where more evidence is needed. The DWP may require more information from new immigrants or asylum seekers. Or they might be waiting for wage slips if the tenant works part-time and they're still eligible for housing benefit.

The sooner they get the red tape completed, the better.

How is housing benefit paid to private landlords?

The money is paid to your bank account (the landlords) or in some cases straight to the tenant, but most landlords get it directly into their own personal or business account. 

You'll get the payment once during the month and any backdated money paid with the first month's payment or it could be a separate payment.

Back to Top

Housing benefits and tenant fraud, here's what to do?

If you come across a tenant who commits fraud, you need to act because it could affect your rent income and you could be liable for overpayment claws.

Here's what to do...

  • Go to the tenant and ask them straight wither or not they committed the crime and if they tell you yes, then you know they must go.
  • Contact the DWP and make them aware you know about it and ask what period the fraud was committed?
  • See where you stand at the end of the DWP (just call them)
  • If the tenant is in the wrong and you know it, it may be a good idea to start evicting them and find a new tenant A.S.A.P

Remember, don't jump the gun here because it could be someone playing games with your tenant. It could be a partner trying to mess their money up and reporting something that's wasn't true.

If you know what period the offence was committed over, you'll have a rough idea what you might need to pay back. You can avoid this by finding a tenant who's claims DLA or ESA for a long period of time.

Well, it helps, but fraud could still be committed by any tenant.

Cover all angles here and don't go and start accusing. Let the DWP handle the situation and work with the tenant because he/she might know what the problem is and offer you a solution to a problem that wasn't there in the first place.

Keep your cool and get the facts right.

Back to Top to find a price for insurance or find out more about other stuff

Get a quote now >

What do you need to know when renting to housing benefit tenants?

There are some important things, like making sure the property meets regulations and it's in good condition. Also, get identification from the tenant and keep a record in your office or safe.

You could also follow these rules...

  • Make sure they tell you about changes of circumstances
  • Get some insurance in place for liability reasons
  • Do a tenant reference check on them before you say yes or no
  • Make sure the safety certificates are in date
  • Keep an eye on them for the first few months

Just like any tenant, you don't know them from Adam, so make sure you visit them once a month for the first 3 months if you are unsure about their personalities.

Back to Top

When will my rent money start coming in after the housing benefit tenant is accepted?

As soon as you receive word from the DWP the rent starts getting paid more or less right away. Like always, leave room for holidays and the festive season.

If there is a delay in your rent payment it may be a good idea to contact the tenant first because they'll get more information from the DWP better than you will.

There is a way for the landlord to check this themselves and it's easy. Just give the local council or DWP office a call and let them know about the missing rent. 

They should at lease let you know why you haven't received it.

Back to Top and get a quote

Money advice for renting to tenants on housing benefit?

Always check the money because the DWP can change the rates at any time. When you're running the business, sign-up for online banking so you can setup alerts when the money hits the account.

Do this on your Android phone or iPhone if you have a few properties and you rely on that money for other things. Other than that, make sure you rent a livable and decent property in the first place.

Back to Top

Can I charge service charges for the property I rent out?

You can charge a service charge for the upkeep of the grounds and garden maintenance. 

Other things you can charge for include...

  • Charge for cleaning of communal areas and things that include cleaning of communal areas. Were people use facilities in everyday life, when the whole building uses them
  • If you supply an outside aerial, you can charge supply that and the maintenance of it but not things like communal Sky television
  • If you have a caretaker and you pay them full-time, you can charge for that service because it's communal
  • If you provide a children’s play area and it is available for all tenant to use at their leisure, you can charge for that facility 

You cannot charge for things like the following...

  • You can not charge for water or fuel but you can if it's part of a communal housing and other tenants are charged the same
  • If you have a washing area, you can charge for that but not personal laundry (like renting a washing machine to the tenant)
  • You cannot charge for cleaning of any sort, this includes windows and rooms around the rented accommodation
  • Any sort of transport costs, that's up to you
  • You cannot charge for meals or other food type charges as that's the DWP's handle
  • TV rental or TV hire arrangments, again, that's up to you if you supply a TV for tenants claiming housing benefits

Also, things like play areas and football areas can be addressed with a service charge. If you offer personal care and support for tenants, that cannot be granted under a service charge other.

This is just a basic idea of what you can and what you can't charge for and if you're concerned, please contact the DWP and they'll help you out further.

Add your own experiences if you've ever dealt with a DSS tenant here.

Back to Top

Cover DSS tenants - get a quote now >

Housing benefit not paid to landlords account and how to fix it, so the money goes into your account instead

If the DWP pays the money into the tenant's account, you can either ask the tenant to get another bank account just for that payment or ask the DWP to change the details about you (the landlord) on their system for the next payment date.

You might need to wait until the next time they get around to it or you might get lucky and get it sorted that day. They are usually very good at helping landlord but they do get busy from time to time.

Back to Top

What do you do about the tenant not paying housing benefit to landlords when the "tenant" is receiving the money?

If the tenant receives the money in their own bank account and they fail to either BAC's it to your account and the rent is in a default, you'll need to take time out of your day and fix it (if you can).

This is a worrying situation and it could mean the tenant going to do a bunk with the cash and the contents of the property. But then again you might be worrying too much here because they could be on holiday or dealing with a family bereavement.

Give them a few days to sort it out, then take some drastic action to recover the rent. You could also take out a Rent Guarantee Insurance policy, which will cover this if you have a mortgage on that rented accommodation.

Back to Top

Housing benefit phone numbers you need as a landlord?

Here are some contact numbers for the different department of the DWP. if you need more you can visit the DWP's website here.

Job Centre Plus (New Benefit Claims) 

0800 055 6688

Textphone for Job Centre Plus

0800 023 4888

Welsh Language for Job Centre Plus

0800 012 1888

Jobseeker?s Allowance, Income Support, Incapacity Benefit, Employment and Support Allowance 

0345 608 8545

Back to Top and get a cheaper quote

How are housing benefit rates calculated?

Every tenant claiming housing benefits are all based on different merits. Every application is made and assesses on the individual needs and income of that person.

They could be a disabled person and need more facilities than others.

So that's something we can't answer today because of this and the way it works. Usually, if you have a large family living at your rented house or flat, they might get all their rent paid for them or they might need to pay something towards it every month.

You won't know until they apply and get an answer for the DWP.

Got a story you would like to tell, tell us here and we'll publish it on this website for others to see and learn from.

Back to Top

Do you need insurance for tenants who claim housing benefit?

If you want or need an insurance policy to cover the housing benefit tenant you can find one here.


Them you fill in the form, you will be asking for a price from more than 40 insurers with one form. After you decide on what cover you might want to buy, the policy can be set up for you online or on the phone that day.

This is the link for the quote form again.

If you need a housing benefit calculator to work out stuff, here it is!

If you want to figure out ruffly what your tenant will receive. You can use QuickCalc's free calculator. Play around with it and you'll see how it works.

Or see the benefits calculator from the DWP itself, here.

Back to Top

What is the housing benefit eligibility checklist for tenants?

Your tenant may or not receive help with paying the rent if:

  • They need to pay rent to a private or council landlord
  • They are on a low income and actively claiming some sort of benefit
  • They have no savings in the bank or savings under £16,000

The tenant can apply if they are working or if they are unemployed. If they are living with a partner, then only one of them can apply with the DWP.

And if you have a tenant who is under 35 years of age and rent a bedsit or even a single room from you, they can claim housing benefits for shared accommodation too.

Back to Top and compare insurance prices

Does your tenant need to make a housing benefit application and don't know how to get around it?

If your tenant has no idea what to do or how to go about a housing benefit application you can learn about it here. I have listed some steps they need to take in order to be eligible for this type of benefit claim.

  • Claim for a benefit
  • Get the details of the landlord (that's you)
  • Claim for housing benefits
  • Wait for a decision
  • Start getting your rent money monthly

That's about as far as it goes here, and it's really down to your tenant to get all the form filled in and await a decision. Most decisions are made for the benefits side (job seeker etc.) within two to three weeks.

If it takes longer and as long as the forms are done correctly and you are still waiting for your money, give it another week and if you still don't get any job, get the tenant to give them a call to see what's happening with it.

Send your dramas in here if you had a bad or good experience when dealing with unemployed tenants. Send it in by clicking here.

Back to Top

Cover DSS tenants - get a quote now >

Add Your Own Story

If you would like to add a question to help someone else out. You can leave a story about your experiences as a landlord renting to housing benefit tenants on this page.

If you know something that wasn't mentioned here. You can send it in and we'll publish it on the website. Or it could be a story you have about your landlord business.

Have A Great Story About This Topic?

Do you have a great story about this? Share it!

Back to Top

Hit us up on Social media

Recent Articles

  1. Commercial Solar Panel Installers Scotland | Get Local Quotes

    Feb 26, 24 12:05 PM

    Commercial solar panel installers Scotland | Get the helping hand you need from starting your solar installation right through to the finished result and...

    Read More

  2. Solar Panels for Business & Solar for Business Quotes | UKLI Compare

    Feb 24, 24 08:56 AM

    Get information on solar panels for business and know the score and get local business solar quotes near your business.

    Read More

  3. Solar Panels | Cost of Installation And Savings | UKLI Compare

    Jan 31, 24 03:19 PM

    solar panels
    Learn about solar panels and what they can do for your house or business as renewable energy replacement. And if you need a quote on solar panel installation you can do that here to.

    Read More

  4. Compare Landlord Insurance Quotes - Save Time & Money | UKLI Compare

    Dec 22, 23 10:04 AM

    Compare landlord insurance quotes and adequately cover your assets with buildings and contents insurance, or add extra landlord protection.

    Read More

  5. HGV Insurance for 18 Year Olds | Compare Quotes | UKLI Compare

    Dec 21, 23 05:06 PM

    If you are looking for HGV insurance for 18 year olds it might be a difficult if you don't ask the company. Compare quotes and find out...

    Read More

  6. Commercial Solar Panels | UK's Best Business Solar 2023 | UKLI Compare

    Dec 09, 23 05:14 PM

    Commercial Solar installation
    Commercial solar panels are the efficient way to save your business money from one long-term cost and the government offers tax benefits. Compare quotes with us today and...

    Read More

  7. Commercial Solar Installation London | UKLI Compare Solar

    Nov 09, 23 11:46 AM

    Solar London
    Compare quotes on commercial solar installation in London and get the best possible price and a cost breakdown before you even start talking to serious installers wherever you live in London.

    Read More

  8. Commercial Solar Panels (11-50kw) Systems | UKLI Compare

    Oct 31, 23 10:23 AM

    Commercial solar panels from 11kw 50kw for business premises

    Read More

  9. Landlord Insurance for DSS Tenants | UKLI Compare

    Oct 31, 23 05:13 AM

    Landlord insurance for DSS tenants need certain cover and your luck to had the expert here waiting to help you. Compare quotes and...

    Read More


    Oct 30, 23 08:21 AM


    Read More

  11. Grants for Commercial Solar Panels | UKLI Compare

    Oct 28, 23 06:36 AM

    grants for commercial solar panels
    Here is a detailed guide on grants for commercial solar panels for your small, medium or large business in the UK and...

    Read More

  12. Commercial Solar Quotes | 51kw+

    Oct 27, 23 09:12 AM

    Commercial Solar Quotes | 51kw+

    Read More

  13. Commercial Solar Quotes | 4kw - 10kw

    Oct 27, 23 09:10 AM

    Commercial Solar Quotes | 4kw - 10kw

    Read More

  14. Commercial Solar Quotes | UKLI Compare

    Oct 27, 23 09:01 AM

    Get Commercial Solar Quotes from Local Solar Installers

    Read More

  15. Solar Panel Installation Quote | UKLI Compare

    Oct 26, 23 11:18 AM

    Get your solar panel installation quote from vetting and local installers who can get the job done in smart time and make sure that your a happy chappy.

    Read More

  16. Solar Panel Installation | Home & Commercial Installs | UKLI Compare

    Oct 26, 23 11:03 AM

    Compare solar panel installation quotes and get the best possible price and quality installation practices with the right installers you can count on and...

    Read More

  17. Fleet Insurance Providers | Get The Right Quotes | UKLI Compare

    Oct 26, 23 05:48 AM

    fleet insurance providers

    Read More

  18. Fleet Insurance 21+ Drivers | Get Quotes at UKLI Compare

    Oct 25, 23 07:29 AM

    Calling all business owners with young drivers and need fleet insurance for 21+ employees and...

    Read More

  19. Fleet Insurance 18+ | Fleet Insurance 18 Year Old's | UKLI Compare

    Oct 25, 23 05:47 AM

    Compare fleet insurance 18+ and make it easier for fleet insurance for 18 year old driver's within your business and...

    Read More

  20. Fleet Insurance Birmingham | Compare Quotes | UKLI Compare

    Oct 24, 23 01:25 PM

    When you need fleet insurance in Birmingham and want to save some money for family fleet insurance and even business vehicles you're in the right place for...

    Read More

  21. Fleet Insurance How Does It Work? | UKLI Compare

    Oct 24, 23 12:49 PM

    Question? Fleet insurance how does it work? Let's find out business owners with multiple vehicles and...

    Read More

  22. Fleet Insurance for Business | New or Existing Business | UKLI Compare

    Oct 24, 23 10:22 AM

    Come on in and get brilliant quotes on fleet insurance for business use for all your vehicle requirements, including cars, vans, taxis, HGV's and bike...

    Read More

  23. Student Landlord Insurance - Get Expert Help Here | UKLI Compare

    Oct 24, 23 09:41 AM

    Compare student landlord insurance or student let insurance for tenants and save yourself the bother going...

    Read More

  24. Taxi Fleet Insurance for New Business | UKLI Compare

    Oct 23, 23 10:14 AM

    Compare taxi fleet insurance for new business start ups and you could save quite a bit of cash while starting your new business and insuring your new fleet.

    Read More

  25. Any Driver Fleet Insurance | UKLI Compare

    Oct 23, 23 09:45 AM

    Compare any driver fleet insurance quotes from the fleet insurer of your choice and let them handle your vehicle fleet reequipments your searching for today and...

    Read More

  26. Taxi Fleet Insurance Online Quotes | UKLI Compare

    Oct 23, 23 08:45 AM

    Compare taxi fleet insurance quotes in minutes and be on your way to a new taxi policy for 2+ taxis and...

    Read More

  27. Fleet Insurance No Claims Bonus Quotes | UKLI Compare

    Oct 23, 23 07:30 AM

    Fleet insurance no claims bonus policies can be more expensive no matter who you take out a policy with, so get started with a good insurer and the right money.

    Read More

  28. Fleet Insurance Brokers | Business or Family Vehicles | UKLI Compare

    Oct 23, 23 06:53 AM

    Get help with the right fleet insurance brokers who can guide you with your whole fleet vehicles from 2+ vehicles right up to 3000+ vehicle fleets and...

    Read More

  29. Compare Taxi Insurance Quotes and Save a Penny or Two | UKLI Compare

    Oct 23, 23 06:47 AM

    Compare taxi insurance quotes with the best taxi insurers you want to take a policy out with and you could save time and a lot of money taking a quote from.

    Read More

  30. Fleet Management Insurance | UKLI Compare

    Oct 23, 23 06:04 AM

    Compare fleet management insurance quotes and get the right help to manage your small or large vehicle fleet and make sure that...

    Read More