If your landlord's insurance pays out in the event of a claim for loss or damage caused, for example by fire or flood, that means your tenants can no longer stay in the property then any rental income lost is usually covered by loss of rent cover included in the main policy.  However, if your tenant simply stops paying their rent but remains in your property you would require additional legal expenses and rent guarantee insurance to help you evict the tenant and pay the missing rent during the process.