Join over 33,000 landlords with home emergency cover from £14.18 per month*
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Plumbing, heating, electricity, and a functioning roof – they’re all basic requirements for a safe habitable property. So what happens if one stops doing its job, and your tenant is left without water or power? It happens every day, making landlord home emergency cover a popular lifeline (and easily tagged onto your standard policy).
Landlord insurance with emergency cover is designed to keep your tenant safe and the property habitable, during a crisis like a boiler failure or damage to the roof. From losing the keys to a wasp infestation, if your tenant can’t access or remain at the property safely, landlords’ home emergency cover could put things right.
Keep in mind, this cover is for the emergency – not routine repairs or redecoration once the crisis is dealt with.
Boiler and main heating system
Roof damage
Plumbing and drainage
Power supply failure
Toilet units
Home security
Keys
Vermin
Hotel accommodation
What’s covered?
Claim example
What you’ll need additional cover for
What’s covered?
Claim example
What you’ll need additional cover for
What’s covered?
Claim example
What you’ll need additional cover for
What’s covered?
Claim example
What you’ll need additional cover for
What’s covered?
Claim example
What you’ll need additional cover for
What’s covered?
Claim example
What’s covered?
Claim example
What you’ll need additional cover for
What’s covered?
Claim example
What you’ll need additional cover for
What’s covered?
Claim example
What you’ll need additional cover for
This content has been created for general information purposes. Make sure you have the right level of landlord insurance by checking your policy documentation for details. Read our full Terms and Conditions
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
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How we work out example prices: Prices are based on payment over 12 months as of 17/11/2022 and are inclusive of Insurance Premium Tax (IPT). If you pay in a lump sum or by Direct Debit, extra fees may apply.
£34.92 /month
£310.4 /year
Renting a terraced house to a young couple
Landlord buildings
£125,001 to £150,000
Property owners' liability
£2,000,000
Landlord home emergency cover
included
£64.5 /month
£573.36 /year
Renting a whole house to a large family
Landlord buildings
£750,001 to £1,000,000
Property owners' liability
£5,000,000
Landlord home emergency cover
included
How we work out example quotes These examples are real quotes from our online system (created 22/04/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your property. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
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The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
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Whether you’re new to buying landlord insurance or you’ve been letting your property for a while, here are the answers to some commonly asked questions about home emergency cover for landlords. You can also check out our landlord insurance FAQs.
This depends on your property, typical tenants, and how ready you are to pay for emergency landlord costs if they come up. For example, if there was a serious leak in your property due to a plumbing failure, would you have the funds ready to cover it, and keep your tenants in a space that’s fit for habitation? These emergency costs can run into thousands of pounds, so it makes sense to do some research.
You aren’t legally required to take out a specific landlord policy. But many tenants will be reassured by optional protection like landlord emergency cover insurance.
We don’t include annual boiler servicing with this cover.
If you do need to make a claim related to your boiler, bear in mind that you’ll need to show proof of annual gas and boiler checks. If these aren’t completed, your claim may not be eligible. They’re a key requirement for most UK landlords, so try to schedule them in with your tenants well in advance.
No, this policy isn’t a maintenance contract. It doesn’t cover the cost of day-to-day maintenance, which you’ll be responsible for.
Home insurance is required when you want to insure the home you’re living in against accidental loss or damage.
Landlord insurance is different – it’s required when you own a property that you rent out to a third party, and don’t live in yourself. It covers different insurance risks from a home policy, taking into account the type of tenant you rent to and how long you’ve owned the property. It also allows you to insure the property and protect yourself against things like loss of rental income, and malicious damage caused by your tenants.
You can add a range of other important covers to your landlord insurance policy, all while keeping it simple with a single premium and a single renewal date. You might consider these covers:
This content has been created for general information purposes. Make sure you have the right level of landlord insurance by checking your policy documentation for details. Read our full Terms and Conditions.
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