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Of the respondents surveyed, a third of those admitted that at least one of their tenants had gone into arrears. Landlords then need to take steps to protect their business and to manage the associated risks. The current economic climate can make this difficult however. Given the unwillingness of the banks to lend money to would-be first time buyers, there is an abundance of young people looking to rent. Well finished, affordable apartments and studios are in high demand; but how can a landlord assess and reduce the risks of letting their property to someone who may not be able to fulfill their obligations? There are a number of ways. The first, most well known method is to request a deposit along with a month's rent in advance. This protects the landlord in the short term, and assuming there are no damages, it gives them a sum of between a month and two months' rent that they can keep, should the tenant default on their obligations. This of course doesn't allow for the costs involved in evicting a tenant, repairing and decorating the property post-tenancy, or for advertising the property as once again being available to rent. The same study conducted by MoneySupermarket.com also noted that these landlords that have tenants in arrears could benefit from landlord insurance. A good Commercial Insurance Broker should be able to advise landlords on how to best guard against risks and on how to manage the ones that they cannot avoid; after which it's common for a Commercial Insurance Broker to recommend a tailored Insurance policy that can help. In the event that a tenant is unable to pay their rent; such a policy can help the landlord in question to recoup the costs associated with removing a non-paying tenant and replacing them with a profitable one. As such, more stringent checks need to be put in place to ensure a successful claim. As circumstances have become more difficult, tenancy application forms have grown and now require a comprehensive level of detail. It is now common for prospective tenants to be subjected to credit checks and other assessments to determine how much of a risk they pose. This can also include the request of a guarantor who is also a home-owner, who is then liable for all arising costs in the event that the tenant is unable to fulfill their tenancy agreement. Further to this, some applications require references from both past landlords and employers, along with personal references. For those tenants that pass all of these checks, they may appear to be ideal tenants. Yet, given the state of the economy, they could still lose their jobs shortly after getting the keys; as GAME's entering into administration demonstrates quite well. The issues that these checks pose however, is that for many recent graduates with no lengthy employment history, acquiring a property can be incredibly difficult. Particularly when many move home every academic year; resulting in a poor credit score. It just goes to show then, that there is no sure-fire way for landlords to insulate themselves entirely from the perils the economy poses. Stringent checks give them a shrinking pool of 'ideal' tenants to chose from, and those that they do choose are still at risk. With the right advice however, a good Commercial Insurance Broker can help landlords to protect themselves in the best way they can. Whilst it might be inconvenient to deal with such risks as they arise, at least they'll have a greater capacity to make a successful claim that will cover their costs, and ensure their income.