Landlord home emergency cover

Boiler and main heating system

What’s covered?

• failure of the property’s main heating system
• contribution towards replacement boiler costs, if it’s beyond economic repair
• old boilers can be covered (we don’t put an age restriction on your boiler, although subject to annual servicing)
• parts and labour covered for most fixes

Claim example

• if the heating in your property failed, due to a fuse in your boiler, leaving your tenants without heating on a cold January weekend

What you’ll need additional cover for

• cold water supply or drainage pipes
• non-domestic heating hot water systems
• solar heating or warm air systems
• annual servicing and boiler certificates

Roof damage

What’s covered?

• roof damage, making the internal property unsafe or uninhabitable
• missing tiles caused by storm damage, leading to a leak inside the property

Claim example

• a bad storm damages some tiles on your property’s roof, causing a leak in two of the bedrooms

What you’ll need additional cover for

• maintenance, and general wear and tear

Plumbing and drainage

What’s covered?

• damage to your property’s drains and plumbing system
• blockage, breakage, or leaking

Claim example

• a pipe in the kitchen splits and causes a leak under the sink, which filters into the kitchen and causes a small flood

What you’ll need additional cover for

• maintenance, and general wear and tear
• rainwater drains and soakaways
• pipes your water supply or sewerage company are responsible for

Power supply failure

What’s covered?

• domestic gas or electrical supply failure

Claim example

• your property’s electricity trips out and you can’t find the cause, leaving your tenants without lighting or access to plug sockets and an electrical shower

What you’ll need additional cover for

• mains supply failure

Toilet units

What’s covered?

• impact damage to toilet bowls and cisterns, resulting in a complete loss of any toilet in the property
• mechanical failure

Claim example

• the toilet in the main bathroom is blocked, with water leaking from the cistern – the bath and shower become completely inaccessible

What you’ll need additional cover for

• maintenance, and general wear and tear

Home security

What’s covered?

• external door, windows, or locks failure/damage, if it leaves your property insecure or inaccessible
• internal doors which give your tenants exclusive access to their part of the property or room (for example in a house of multiple occupancy or house share)

Claim example

• your property’s external door gets damaged during a break-in and you need to replace the locks and keys to make it secure for your tenants

Keys

What’s covered?

• loss or theft of any external door keys
• the keys lost must be the only available set

Claim example

• your tenant leaves their keys on the train and you haven’t got another set cut, so they’re unable to access the property

What you’ll need additional cover for

• any claim where an alternative set of keys is available

Vermin

What’s covered?

• wasp and hornet nests, rats, mice, or grey squirrels in your property which prevent use of a loft, or one or more rooms

Claim example

• your tenant discovers a wasp nest in the loft, which is beginning to filter into the main bedrooms

What you’ll need additional cover for

• an infestation in any external building
• bees nest removal

Hotel accommodation

What’s covered?

• room only costs for one night’s accommodation, if the property remains uninhabitable after an insured event
• cover for you and/or your tenants

Claim example

• a leak in the kitchen causes severe water damage to the downstairs rooms in your property – your tenants need to stay in a hotel for a night while it’s made fit for living in

What you’ll need additional cover for

• any costs above £300