I’ve always taken out rent guarantee insurance in case tenants stop paying, but I recently went to put it in place for a new tenancy and was shocked by all the exclusions in the policy wording. Is taking out rent insurance still worth it? — Siobhan, Gloucester In principle, rent guarantee insurance (RGI) is a great deal: it kicks in if tenants fail to pay, and generally also covers any legal action needed to restart payments or remove the tenants. As a very general rule of thumb you can...