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31 Mar 2021
Jamie Gibbs Alice Campion

Home emergency cover for landlords

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Person and dog looking in despair at leaking roof

If disaster strikes in your property, your tenants’ safety and comfort is top priority. Landlord home emergency cover could help. 

You get a call from one of your tenants, a pipe has burst. 

What do you do? Arranging an emergency plumber could take some time. Meanwhile, your property is getting damaged, as are your tenants’ possessions. 

This is where landlord home emergency cover comes in. This type of insurance is specifically designed to tackle an emergency like this. 

Let’s look at the benefits of home emergency cover, and what exactly counts as an emergency. 

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What is landlord home emergency cover? 

Landlord home emergency cover is an added extra to your landlord’s insurance policy.

It provides emergency assistance for your tenants. Most policies cover emergencies like: 

  • Heating failure

  • Vermin infestations

  • Flooding

  • Water mains failure

  • Power supply failure, other than a power cut

  • Roof damage that’s caused a sudden leak

  • Tenants having to gain entry due to lost keys

  • Blocked drains or sewer problems

  • Issues with the toilet which mean it doesn’t work

  • Any damage which means the building isn’t secure. For example, windows, doors or locks. 

These vary depending on your policy. When you take out your policy, you can talk through what’s included and what’s not with your insurer. 

If your tenant needs to stay somewhere else, some insurers might cover the cost of a hotel or alternative accommodation. 

Your boiler should be covered for emergencies with this policy, but a separate boiler policy covers other types of boiler mishaps. Our guide on landlord boiler cover can give you more information. 

 

Do I need landlord home emergency cover? 

The emergencies we’ve mentioned above are distressing for tenants and could potentially damage their possessions. So being able to fix the problem quickly can minimise discomfort. 

With this cover, you cut out the middle man. You or your tenant simply call the insurer, and they’ll then send a tradesperson to fix the issue. 

It saves you having to organise a tradesperson yourself, which could be time consuming. 

You should also be covered for the emergency repair costs, making less of a dent in your funds. 

This all comes with the proviso that you keep your property in good condition, otherwise you may not be covered. 

 

What are the benefits of landlord home emergency cover? 

You’ll be able to fix the emergency issue quickly, reducing damage to your property and your tenants’ possessions. 

The cover will provide help for emergencies 24/7, all year round. 

As mentioned, fixing any emergency like the ones listed above will be costly. Having cover like this will reduce the amount you would have to pay to fix the emergency. 

 

What's not included in landlord home emergency cover? 

As we mentioned earlier, every policy will differ. But usually landlord home emergency cover doesn’t include: 

  • General wear and tear

  • Routine maintenance – including boiler servicing

  • Faulty workmanship and DIY

  • Any repairs which are already covered by your contents and buildings insurance

  • Any further repairs once the initial problem is resolved

  • Anything you were aware of when you purchased cover, for example, faults, damage, or infestations

  • Properties left unoccupied for more than 30 days in a row

  • Power failure caused by a power cut. 

 

How to claim on your landlord home emergency insurance 

If there’s an emergency in the home, you or your tenant calls your insurance provider. They’ll usually have an emergency number. 

They’ll send a tradesperson out to fix the problem. Don’t call a tradesperson directly – your insurer will use their own approved tradesperson. 

Most insurers will send someone out within 24 hours. They might send someone from the insurance company to assess the damage too. 

If they’re sure it’s emergency damage, their tradesperson will temporarily fix the problem. 

 

Tips for choosing your landlord emergency cover 

There are some key things to check when you’re buying landlord home emergency cover. Our home insurance expert, Jessica Willock, suggests: 

  • Checking what your policy covers

  • Checking whether the company asks for a call-out charge

  • Making sure the insurance company uses reputable tradespeople

  • Ensuring they have a 24-hour emergency helpline

  • Checking the claims limit. Some firms might limit the amount of times you claim. 

Some firms may charge an excess, this is the amount you pay towards a claim. You won’t have to pay this on landlord home emergency cover bought through Confused.com. Jessica adds: 

“As a landlord, keeping your tenants safe and secure should be your main priority. Landlord’s home emergency cover means you can get most emergencies fixed within 24 hours, minimising the disturbance for your tenant. 

“Landlord home emergency cover isn’t included as standard in a landlord home insurance policy, so make sure you include it when you get a quote."

"You should also make sure you know exactly what you’re covered for, so check your policy wording thoroughly.” 

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