Private landlords could find that many of their tenants are too poor to take out insurance on their belongings in 2009, it has been suggested.

According to JML Insurance, more Britons who cannot afford a mortgage are switching to renting - but then choose to forego insuring their belongings.

The trend could lead to more rental guarantee schemes emerging in 2009, which offer private landlords a fixed income in exchange for a fee.

It comes after 71 per cent of landlords in a poll conducted by the National Landlords Association in December said they expect more tenants to fall behind on their rent payments this year.

And only ten per cent of tenants have invested in insurance to protect their belongings, JML Insurance's study has shown.

The firm noted that landlord insurance policies will cover the rented property owner's furniture, but not tenants' items - such as electrical equipment and credit cards.ADNFCR-2002-ID-19014039-ADNFCR

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