Landlord's Home Emergency Insurance

Home Emergency cover is specifically designed to help protect against unforeseen emergencies, such as plumbing or electrical failures, security breaches, or pest infestations.
It also includes cover for overnight accommodation expenses if the property becomes unsafe to stay in, up to £200 (including VAT), subject to the claim limit and policy terms.

We will assist you to stop an emergency caused by the sudden and unexpected failure of, or damage to, the internal plumbing (including central heating pipes and radiator valves) within the home that may result in internal flooding or water damage. If your home becomes uninhabitable for more than 48 hours following an engineer’s visit, we will pay up to £200 (including VAT) for alternative accommodation, subject to the claim limit.
Cover is provided subject to policy terms and limits.

We will assist you to repair or replace any item or system after your supply meter that causes the breakdown or failure of the complete electrical power to your property. Cover is provided subject to policy terms and limits.

We will assist you in repairing or rectifying the breakdown of your domestic boiler at your property. Your boiler must have been serviced within the previous 12 months for cover to apply. Optional annual boiler servicing is available on a pay-per-use basis by calling03333 449 559.
Cover is provided subject to policy terms and limits.

We will assist you in repairing or replacing any damaged section of the internal gas supply pipe following a gas leak. Assistance will only be provided once the National Gas Emergency Service has attended and isolated the leak.
If your home becomes uninhabitable for more than 48 hours following the engineer’s visit, we will pay up to £200 (including VAT) for alternative accommodation, subject to the claim limit and policy terms.

We will assist you and pay for call-out, labour, and parts and materials involved in emergencies relating to the security of your home and lost keys.

• Security – Assistance to repair, replace, or provide an emergency fix to make the home safe and/or prevent further damage after damage or failure to an external lock, door, or window.
• Lost Keys – Assistance to gain access to your home where you’ve lost the only available key and are unable to replace it or gain normal access.T&C’s Apply

We will assist you and pay for call-out, labour, and parts and materials involved in removing a sudden infestation of mice, rats, or a wasps’ or hornets’ nest that leaves one or more rooms unsafe or poses an immediate risk.
One course of treatment will be arranged for the removal of the pest.
If your home becomes uninhabitable for more than 48 hours following the engineer’s visit, we will pay up to £200 (including VAT) for alternative accommodation, subject to the claim limit and policy terms.

• Customer Service:03333 449 559
• Email:enquiries@smart-cover.co.uk
• Claim through Website: My Account
• Claim through App:

Yes, they can contact Smart Cover as long as they are listed on the policy.

Yes, landlord insurance is recommended for anyone renting out property in the UK. It provides financial protection against unexpected emergencies such as heating and boiler breakdowns, burst pipes, blocked drains, or electrical failures.
Landlord home emergency plans include 24/7 emergency call-outs, parts and labour, and support from qualified engineers, subject to policy terms and limits.