What is home emergency cover?

 

Every property contains essential components such as electricity, plumbing, heating and security. But what happens if they go badly wrong, demanding immediate action? With up to £1,000 to cover repair costs, labour and call-out fees, home emergency cover means landlords have a plan in place to deal with such potentially serious issues.

 
For just £50 you can upgrade your existing landlord insurance with home emergency cover including boiler breakdown. This excludes boilers over 15 years old. Your boiler must also be serviced annually by an authorised tradesperson.

Please note we do not cover any incident which occurs during the first seven days following the start of your Home Emergency cover.
 

You are covered by home emergency if

  • The emergency may cause permanent damage to your property
  • The emergency carries a health risk to you or your tenants
  • A security issue leaves your property at risk to thieves
     

Home emergency cover explained

Home emergency provides cover for emergency repairs to help make your property safe and/or secure. For example, if you have a burst pipe we will send one of our contractors to locate and fix the problem. You’ll no longer have an emergency. The damage caused to your property should be covered under your existing Landlord policy.

If you have an emergency situation such as a damaged roof, boiler leak, electrical failure or blocked drain, we’ll send out a trusted contractor to make sure the problem is rectified and your property made safe. 
 

Looking for something else?

Find out more about what insurance we offer
Landlord insurance cover

See what's included

Loss of rent cover

Find out more about our loss of rent cover

Landlord contents cover

Insure the contents of your rental property

What does home emergency cover? 

 

If your tenants called you at 3am with a boiler leak could you deal with the problem quickly? Home emergency cover ensures the problem is resolved as quickly as possible. Our experienced UK call centre team are on hand to help you find the right solutions. There are many types of emergency that are covered by this upgrade. They include but are not limited to:
 

What is covered

  • Internal power cuts
  • 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

 

What isn’t covered

  • Boiler replacement – This excludes boilers over 15 years old. Your boiler must also be serviced annually by an authorised tradesperson.
  • Repairs over £1,000
  • Repairs – such as redecoration of damage caused by a burst pipe
  • Anything which we don’t define as a home emergency
  • Garages, sheds and greenhouses

Frequently asked questions

Here’s a list of our customers’ most asked questions
What counts as a home emergency?


The type of emergencies that are covered by this optional extra include but are not limited to: 

 

  • Water leaks
  • Broken windows
  • Hole in the roof
  • No hot water
  • No central heating
  • Internal power cut
  • Roof repair
  • Blocked drain or toilet
 
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 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.
Obviously, if you’re calling us 8 times a year for emergency cover, this could point to a deeper issue, i.e. relating to the property being incorrectly maintained.
 


Does home emergency cover affect no claim bonus?

 

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

 

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