Will home emergency cover all repairs?

This upgrade deals with the actual emergency or the source of the emergency – not the repairs to your property as a result of damage caused by the emergency. So, if you suffer storm damage to your roof and rain floods the carpet below, home emergency cover will cover the cost of repairing the roof. Damage to your carpet may be covered by your existing insurance policy.

Does home emergency cover count as a claim?

No. Under home emergency cover, if there’s a burst pipe, we'll send someone out to fix the burst pipe. This is not considered to be a claim. Repairs to or replacement of items damaged by the water that escaped from the burst pipe should be covered by your underlying landlord policy. These repairs or replacement would count as a claim.Therefore, whenever you have an emergency you can call us for assistance.Therefore, whenever you have an emergency, you can call us for assistance without needing to worry about it counting as a claim. However, please note that an unusually high number of emergencies over a year might indicate a deeper issue, like poor maintenance of the property.

Does home emergency cover affect my no claim bonus?

We don’t have a no claim bonus or discount on our home emergency cover policies. A claim may affect your renewal price.

Landlord insurance

Landlord home emergency cover

You can select this cover when taking out landlord insurance with us, or add it to your existing policy for only £50 annually.

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What is landlord home emergency cover?

Landlord home emergency cover can help cover repair costs, labour and call-out fees, meaning landlords have a plan in place to deal with unexpected issues that need dealing with right away.

A home emergency is an event that:

Makes your property unsafe or uninhabitable
Puts your tenants in danger
Leads to a security issue - increasing the risk of burglary

Why get our home emergency cover for landlords?

Save yourself time and hassle

No need to search for someone if you have a home emergency. We'll provide one of our authorised tradespeople to help you fix the problem.

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Up to £1,000 repair cover

We'll cover the cost of materials for emergency repairs up to £1,000, and one of our authorised tradespeople will be on hand to help your tenants.

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Upgrade your cover for only £50 annually

Get in touch to upgrade your landlord insurance and cover emergencies, including boiler repairs if you lose heating in your property*.

What is covered by landlord home emergency cover

Water leaks – including boiler leaks

Broken windows – these present a security risk

Hole in the roof – if the hole is open to the elements which in turn are damaging your property

Internal power cuts

No hot water

No central heating

Roof repair

Blocked drain or toilet

What's not covered by landlord home emergency cover

Boiler replacement for appliances over 15 years old. Your boiler must also be serviced annually by an authorised tradesperson

Repairs over £1,000

Other repairs - like redecoration or damage caused by a burst pipe

Anything which we don’t define as a home emergency

Garages, sheds and greenhouses

Ready to get landlord home emergency cover?

If you already have landlord insurance with us, you can get in touch to upgrade your policy.

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Get your home emergency cover for landlords

You can upgrade your existing landlord insurance with home emergency cover for only £50 annually - just contact us to change your policy.

If you don't have landlord cover, get our landlord insurance and select home emergency cover.

Please note we do not cover any incident which occurs during the first 7 days following the start of your home emergency cover.

No. Under home emergency cover, if there’s a burst pipe, we'll send someone out to fix the burst pipe. This is not considered to be a claim.

Repairs to or replacement of items damaged by the water that escaped from the burst pipe should be covered by your underlying landlord policy. These repairs or replacement would count as a claim.

Therefore, whenever you have an emergency you can call us for assistance.

Therefore, whenever you have an emergency, you can call us for assistance without needing to worry about it counting as a claim. However, please note that an unusually high number of emergencies over a year might indicate a deeper issue, like poor maintenance of the property.

Useful guides

Important information

* Boiler repairs

Boilers must be serviced annually. Excludes boilers over 15 years old.