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Landlord insurance

Landlord home emergency cover

Lady on telephone about broken window.

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.

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

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

Ready to get a quote for landlord insurance?

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.