Property Protect

4 Percent Property Protect
The perfect blend of proptech, property expertise & know how.

What’s included?

Comprehensive Tenant Referencing

  • Includes up to five verified income sources for each tenant
  • Affordability check to ensure they can afford the rent for the duration of the tenancy
  • Checks for any CCj’s, IVA’s or bankruptcies in the last six years which may indicate a risk
  • Checks for detrimental data at both current and previous addresses
  • Identity and fraud checks
  • Previous landlord reference
  • Ongoing monitoring of the tenant’s credit history throughout the tenancy

No Deposit Protection

  • Allowing tenants to move in without paying a deposit creates more demand for your properties and helps us to let it faster, minimising void periods
  • Cover up to the value of six weeks’ rent for any breach of tenancy that has resulted in a loss to you and which cannot be recovered from the tenant
  • Cover includes everything that would be covered by a traditional deposit; cleaning, unpaid utility bills, removal of furniture left behind by the tenant, gardening, abortive checkouts and lost keys

Rent & Legal Protection

  • Repossession of the property from the tenant
  • Payment of rent arrears whilst the tenant still occupies property up to £8.000pcm*
  • Payment of rent after vacant possession, if property damage needs repairing – 75% of rent for a max of 2 months or until re-let
  • Eviction of squatters
  • Covers any breach of tenancy
  • Legal assistance up to £75,000

Property Damage Protection

  • Repair or replacement of items damaged by the tenant, whether accidently or maliciously
  • Replacement of items stolen by the tenant
  • Up to £10,000 to cover losses of £100 or more
  • If we’re made aware of damage during the tenancy, such as a ripped carpet which poses a danger to the tenants, you are covered for replacement from old to new and can arrange this repair or replacement for you

*Maximum level of indemnity is £75,000 including rent arrears and legal expenses

As with any other limitations and exclusions apply. Full details and terms and conditions are available on request. The protection is offered on the basis of an interest in an Insurance Policy purchased by f%ur.


  • Rent up to £1000 pcm – £30 plus VAT per month
  • Rent from £1001 to £2500 pcm – £40 plus VAT per month
  • Rent from £2501 to £4000 pcm – £65 plus VAT per month
  • Rent in excess of £4,000 pcm – 2.3% of rent plus VAT per month