What Does Landlord Emergency Cover Include?

As a landlord, it's crucial to protect your investment and the safety and well-being of your tenants.

As a landlord, it's crucial to protect your investment and ensure the safety and well-being of your tenants. One way to achieve this is by having landlord emergency cover in place. Landlord emergency cover is a type of insurance policy that provides assistance in the event of emergencies at your rental property. In this blog post, we will explore what landlord emergency cover includes and why it is essential for every landlord.

Understanding Landlord Emergency Cover:

Landlord emergency cover, also known as landlord emergency assistance or landlord emergency insurance, is designed to offer landlords peace of mind by providing assistance when unforeseen emergencies occur at their rental property. It is specifically tailored to cover emergency situations that require immediate attention and could potentially cause significant damage or inconvenience.

Common Covered Emergencies:

While the specific coverage may vary depending on the insurance provider and policy, some common emergencies covered by landlord emergency cover include:

a) Plumbing and Drainage Issues: Emergency assistance is often provided for problems such as burst pipes, blocked drains, or leaks, which can cause water damage and disruption to the property.

b) Electrical Faults: Landlord emergency cover may extend to cover electrical failures or hazards, ensuring that urgent repairs or replacements can be made promptly to maintain safety.

c) Security and Lockouts: In the case of a break-in, landlord emergency cover may cover repairs or replacements for damaged locks or doors, ensuring the security of the property. Additionally, if tenants are locked out due to lost keys or other circumstances, the policy may cover the cost of a locksmith.

d) Pest Infestations: Some landlord emergency cover policies include assistance in dealing with pest infestations such as rats, mice, or insects, helping to address these issues swiftly and effectively.

Additional Benefits and Coverage Options:

Apart from the core coverage mentioned above, landlord emergency cover may also offer additional benefits and optional coverage options. These can include:

a) Alternative Accommodation: If the rental property becomes uninhabitable due to an emergency, some policies may cover the cost of alternative accommodation for your tenants while repairs are being carried out.

b) Home Assistance Services:Some insurance providers offer 24/7 helplines that tenants can call for emergency assistance, ensuring they receive prompt and reliable help when needed.

c) Optional Coverage Add-Ons: Depending on the insurance provider, you may have the option to add coverage for specific emergencies, such as boiler servicing, appliance breakdowns, or even accidental damage caused by tenants.

Benefits for Landlords:

Landlord emergency cover offers several benefits for landlords:

a) Peace of Mind: Knowing that you have insurance coverage for emergencies can provide peace of mind, allowing you to respond swiftly and effectively when unexpected situations arise.

b) Tenant Retention: By providing a responsive and reliable solution to emergency situations, you can enhance tenant satisfaction, potentially leading to higher tenant retention rates.

c) Property Protection: Timely repairs and assistance can prevent further damage to your property, helping to preserve its value and reduce potential costs in the long run.

d) Legal and Regulatory Compliance: Some landlord emergency cover policies include legal advice and support, ensuring that you remain compliant with relevant regulations

Factors to Consider When Choosing Landlord Emergency Cover:

When selecting a landlord emergency cover policy, it's important to consider the following factors:

a) Coverage Limits: Review the coverage limits for each type of emergency to ensure they align with your property's needs and potential risks. Make sure the policy provides sufficient support for repairs, replacements, and alternative accommodation if required.

b) Exclusions and Limitations: Understand the exclusions and limitations of the policy. Some emergencies, such as pre-existing conditions or gradual wear and tear, may not be covered. It's essential to have a clear understanding of what is and isn't included in the coverage.

c) Response Time: Look for policies that offer quick response times to emergencies. Ideally, the insurer should have a 24/7 helpline and a network of qualified contractors who can promptly address emergency situations.

d) Reputation and Customer Service: Research the insurance provider's reputation and customer service track record. Read reviews, seek recommendations, and choose a reliable company known for its efficient claims handling and customer support.

e) Cost and Affordability: Compare the cost of different landlord emergency cover policies. While it's important to consider affordability, it's equally crucial to ensure that the policy provides adequate coverage and meets your specific requirements.

Making a Claim:

In the event of an emergency covered by your landlord emergency cover policy, it's essential to follow the insurer's claim process. Typically, you will need to report the emergency as soon as possible and provide relevant details and documentation, such as photographs, invoices, or repair estimates. Keep records of all communication with the insurance provider and contractors involved.

Maintenance and Prevention:

While landlord emergency cover provides essential protection for unexpected emergencies, it's crucial to remember that regular property maintenance and preventive measures are equally important. Properly maintaining the property and addressing minor issues promptly can help prevent emergencies from occurring in the first place. Regularly servicing heating systems, checking for leaks, and conducting inspections can mitigate the risk of larger problems arising.


Landlord emergency cover is an invaluable investment for landlords, offering assistance during unforeseen emergencies. From boiler failures to plumbing issues, electrical faults, and more, having the right insurance policy in place can ensure that your rental property and tenants are well-protected. By carefully selecting a policy that meets your specific needs, you can have peace of mind knowing that you are prepared to handle emergencies swiftly and efficiently, safeguarding your investment and maintaining tenant satisfaction.

Remember, while landlord emergency cover is crucial, it should be complemented by proactive property maintenance and preventive measures to minimise the occurrence of emergencies. By being prepared and taking the necessary precautions, you can create a safe and secure living environment for your tenants while protecting your property's value.

Disclaimer: The information provided in this blog post is for general informational purposes only and should not be considered as professional advice. It is always recommended to consult with insurance professionals or experts to understand the specific terms and conditions of landlord emergency cover policies and to determine the best coverage for your individual needs.