Landlord Home Emergency Cover
Landlord cover from £10.90 a month
Protect your rental property and your tenants with landlord home emergency cover for call-out charges, labour, parts and materials. Choose Essential or Premium, plus an optional CP12 gas safety certificate add-on.
Essential cover, promotional price. Prices include all relevant taxes.
- Landlord Smart Boiler Boiler breakdown, boiler service, CP12 certificate£18.08 £10.90/mo
- Landlord Smart Heating Boiler, CP12 certificate, central heating£21.11 £13.90/mo
- Landlord Smart Home Boiler, CP12 certificate, central heating, plumbing, electrics, drains£23.13 £15.90/mo
- Landlord Smart Home Plus FEATURED Boiler, CP12 certificate, central heating, plumbing, electrics, drains, pests, locks and keys£26.63 £17.90/mo
Landlord home emergency cover helps landlords handle sudden problems at a rental property that need urgent attention, like a boiler breakdown, heating failure, plumbing leak or electrical fault. It can cover call-out charges, labour, parts and materials, subject to policy terms and limits. It's designed for emergencies, not general maintenance.
- From £10.90/month on Landlord Smart Boiler (Essential)
- Two tiers: Essential (£500 per claim) or Premium (£1,000 per claim)
- Optional CP12 gas safety certificate add-on available
- Emergency alternative accommodation for tenants
- Unlimited annual claim limit on every plan and tier
- Nationwide engineers, 24/7 support
Four levels of landlord cover
Every landlord plan includes emergency boiler breakdown and an unlimited annual claim limit. Step up for heating, plumbing, electrics and more, and add a CP12 gas safety certificate to any plan.
Landlord Smart Boiler Essential
- Covers emergency boiler breakdown and the internal gas supply pipe. We arrange an engineer for call-out, labour and parts up to your claim limit. Boiler must be serviced within 12 months prior to the breakdown.
- Optional non-insurance feature: a Gas Safe engineer checks your boiler is safe and working well. No repairs included, separate from your insurance cover and claims process. Not listed as insured on your IPID.
- Optional non-insurance add-on for your annual gas safety check, a legal requirement for landlords every 12 months. Not part of the insured cover on your IPID, arranged separately from any claim.
- Covers complete breakdown of your central heating system. Included from Landlord Smart Heating upward. See your IPID and T&Cs for the full scope and any exclusions that apply to this benefit.
- Covers internal plumbing emergencies and the external water supply pipe if it blocks, collapses or leaks. Included from Landlord Smart Home upward, per your IPID's insured benefits list.
- Covers your property's internal drainage emergencies. Confirmed exclusion: blockage of supply or waste pipes due to freezing weather conditions, per your IPID's exclusions list.
- Covers complete electrical breakdown of your property's domestic supply, exactly as listed on your IPID. Included from Landlord Smart Home upward, not partial faults or wiring maintenance.
- Covers infestation by black or brown rats, field or house mice, and wasps' or hornets' nests, per your policy T&Cs. Other pests, including ants, fleas, bedbugs and spiders, are excluded.
- Covers loss, theft or breakage of external locks and keys to your rental property, helping your tenant regain safe access and re-secure the property quickly in a genuine lock-related emergency, day or night.
Landlord Smart Heating Essential
- Covers emergency boiler breakdown and the internal gas supply pipe. We arrange an engineer for call-out, labour and parts up to your claim limit. Boiler must be serviced within 12 months prior to the breakdown.
- Optional non-insurance feature: a Gas Safe engineer checks your boiler is safe and working well. No repairs included, separate from your insurance cover and claims process. Not listed as insured on your IPID.
- Optional non-insurance add-on for your annual gas safety check, a legal requirement for landlords every 12 months. Not part of the insured cover on your IPID, arranged separately from any claim.
- Covers complete breakdown of your central heating system. Included from Landlord Smart Heating upward. See your IPID and T&Cs for the full scope and any exclusions that apply to this benefit.
- Covers internal plumbing emergencies and the external water supply pipe if it blocks, collapses or leaks. Included from Landlord Smart Home upward, per your IPID's insured benefits list.
- Covers your property's internal drainage emergencies. Confirmed exclusion: blockage of supply or waste pipes due to freezing weather conditions, per your IPID's exclusions list.
- Covers complete electrical breakdown of your property's domestic supply, exactly as listed on your IPID. Included from Landlord Smart Home upward, not partial faults or wiring maintenance.
- Covers infestation by black or brown rats, field or house mice, and wasps' or hornets' nests, per your policy T&Cs. Other pests, including ants, fleas, bedbugs and spiders, are excluded.
- Covers loss, theft or breakage of external locks and keys to your rental property, helping your tenant regain safe access and re-secure the property quickly in a genuine lock-related emergency, day or night.
Landlord Smart Home Essential
- Covers emergency boiler breakdown and the internal gas supply pipe. We arrange an engineer for call-out, labour and parts up to your claim limit. Boiler must be serviced within 12 months prior to the breakdown.
- Optional non-insurance feature: a Gas Safe engineer checks your boiler is safe and working well. No repairs included, separate from your insurance cover and claims process. Not listed as insured on your IPID.
- Optional non-insurance add-on for your annual gas safety check, a legal requirement for landlords every 12 months. Not part of the insured cover on your IPID, arranged separately from any claim.
- Covers complete breakdown of your central heating system. Included from Landlord Smart Heating upward. See your IPID and T&Cs for the full scope and any exclusions that apply to this benefit.
- Covers internal plumbing emergencies and the external water supply pipe if it blocks, collapses or leaks. Included from Landlord Smart Home upward, per your IPID's insured benefits list.
- Covers your property's internal drainage emergencies. Confirmed exclusion: blockage of supply or waste pipes due to freezing weather conditions, per your IPID's exclusions list.
- Covers complete electrical breakdown of your property's domestic supply, exactly as listed on your IPID. Included from Landlord Smart Home upward, not partial faults or wiring maintenance.
- Covers infestation by black or brown rats, field or house mice, and wasps' or hornets' nests, per your policy T&Cs. Other pests, including ants, fleas, bedbugs and spiders, are excluded.
- Covers loss, theft or breakage of external locks and keys to your rental property, helping your tenant regain safe access and re-secure the property quickly in a genuine lock-related emergency, day or night.
Landlord Smart Home Plus Essential
- Covers emergency boiler breakdown and the internal gas supply pipe. We arrange an engineer for call-out, labour and parts up to your claim limit. Boiler must be serviced within 12 months prior to the breakdown.
- Optional non-insurance feature: a Gas Safe engineer checks your boiler is safe and working well. No repairs included, separate from your insurance cover and claims process. Not listed as insured on your IPID.
- Optional non-insurance add-on for your annual gas safety check, a legal requirement for landlords every 12 months. Not part of the insured cover on your IPID, arranged separately from any claim.
- Covers complete breakdown of your central heating system. Included from Landlord Smart Heating upward. See your IPID and T&Cs for the full scope and any exclusions that apply to this benefit.
- Covers internal plumbing emergencies and the external water supply pipe if it blocks, collapses or leaks. Included from Landlord Smart Home upward, per your IPID's insured benefits list.
- Covers your property's internal drainage emergencies. Confirmed exclusion: blockage of supply or waste pipes due to freezing weather conditions, per your IPID's exclusions list.
- Covers complete electrical breakdown of your property's domestic supply, exactly as listed on your IPID. Included from Landlord Smart Home upward, not partial faults or wiring maintenance.
- Covers infestation by black or brown rats, field or house mice, and wasps' or hornets' nests, per your policy T&Cs. Other pests, including ants, fleas, bedbugs and spiders, are excluded.
- Covers loss, theft or breakage of external locks and keys to your rental property, helping your tenant regain safe access and re-secure the property quickly in a genuine lock-related emergency, day or night.
Call UsWhat makes landlord cover different
Standard homeowner cover doesn't account for tenants and legal duties. These are the extras built in for landlords.
Cover between tenancies
Most policies exclude claims after a property sits empty 30+ days, but landlord cover keeps working if you're actively re-letting.
Tenant accommodation
Emergency alternative accommodation arranged for tenants if the property becomes uninhabitable. Your tenant settles the cost, reimbursed on claim acceptance.
Call-out, labour & parts
Cover for the cost of call-out charges, labour, parts and materials on covered emergencies.
24/7 for tenants
A round-the-clock Emergency Helpline (03333 449 247) and nationwide engineers, so tenant emergencies are handled fast, day or night.
What's included
- Emergency boiler breakdown & internal gas supply pipe
- Optional annual boiler service and CP12 gas safety certificate add-ons
- Central heating, plumbing, electrics & drainage on higher plans
- External water supply pipe on higher plans
- Security & lock keys and pest infestation on Smart Home Plus
- Emergency alternative accommodation for tenants
What's not included
- Any event that is not an emergency
- General maintenance work
- Removal of limescale, sludge or debris, or repairs caused by this
- Repairs where the boiler breakdown results in the loss of domestic hot water provision only
- A boiler not serviced within the last 12 months
- Any leaks which do not cause damage to the property
This is a summary. Cover, benefits and per-claim limits vary by plan and are subject to the terms, conditions, exclusions and limits in your policy documents and Insurance Product Information Document (IPID).
Before you buy home emergency cover for landlords
A few important conditions apply to every Smart Cover landlord plan, in addition to the cover details above.
- A 28-day waiting period applies from the policy start date for landlord policies before a claim can be made
- A boiler must have been serviced within the previous 12 months for a boiler breakdown claim to be valid
- Cover is normally excluded if the property is unoccupied for more than 30 consecutive days, though landlord plans allow for this if you're actively seeking a new tenant
- Check your policy documents and Insurance Product Information Document (IPID) for the insurer and FSCS status that applies to your plan
- Smart-Cover Direct Limited (FRN 600428) is an Appointed Representative of City and Commercial Limited (FRN 314346), which is FCA-authorised and is covered by the FSCS for its regulated intermediary activities
Your legal duties as a UK landlord
Renting out a property comes with safety obligations. Here are the key ones, and how cover helps you keep on top of them.
Annual gas safety check (CP12)
Landlords must have gas appliances and flues checkedevery 12 monthsby a Gas Safe registered engineer and give tenants a copy of the CP12 record. Smart Cover offers this check as an optional add-on to any landlord plan.
Electrical safety (EICR)
In England, landlords must have the electrical installation inspected and tested, usually anEICR at least every 5 years, and provide the report to tenants. Rules vary across the UK nations.
Smoke & carbon monoxide alarms
Provide asmoke alarm on every storey and a carbon monoxide alarmin any room with a fixed combustion appliance, and check they work at the start of a tenancy.
Energy efficiency (EPC / MEES)
Rental homes need a validEnergy Performance Certificateand must meet the minimum energy efficiency standard before being let. Give tenants a copy of the EPC.
This is general information to help landlords, not legal advice, and requirements differ across England, Scotland, Wales and Northern Ireland and can change. Always check the latest guidance on gov.uk (or your nation's equivalent) for the rules that apply to your property.
Benefits of Landlord Cover?
Boiler Insurance
A boiler is an important part of any home. An unexpected boiler breakdown can result in very costly repairs.
Central Heating
Our cover includes breakdown of central heating system and its associated pipework.
Lost Keys
Lost your House keys? Our insurance policy gives assistance in gaining access to your property and protecting your home.
Electrical
Our insurance policies cover total emergency breakdown of your electricity supply.
Drains and Waste Pipes
Our plumbing & drainage insurance covers a wide range of problems including broken pipes, water supply and blocked drains.
Pest Infestation
Our policy offers cover for animal infestations caused by black or brown rats, field or house mice, wasps’ and hornets’ nests.
Landlord home emergency vs buildings & contents
They do different jobs, and many landlords hold both. Here's how they compare.
Landlord home emergency cover
Urgent breakdowns & call-outs, from £10.90/mo
- Emergency boiler, heating, plumbing & electrical repairs
- Call-out charges, labour, parts and materials
- Optional CP12 gas safety certificate add-on available
- Emergency alternative accommodation for tenants
- 24/7 line and nationwide engineers
Landlord buildings & contents
Damage to the property & its contents
- Structural damage (fire, flood, storm)
- Contents you provide in a furnished let
- Often paired with landlord liability cover
- Does not usually cover breakdown call-outs
- Sometimes required by your mortgage lender
Landlord home emergency cover is not the same as buildings or contents insurance. Check what you already hold before choosing, and read each policy's terms, conditions, limits and exclusions.
Cover for the boilers in your rentals
Our nationwide Gas Safe registered engineers work across the leading domestic gas boiler brands.
How a landlord claim works
Whether you or your tenant spots the problem, one call gets an engineer on the way.
Call us
You or your tenant calls the claims line on 03333 449 559 to report the emergency. For an active emergency, our 24/7 Emergency Helpline is 03333 449 247.
Share the details
Give your policy and property details so we can log the claim.
Engineer arranged
A nationwide, qualified engineer is arranged to attend the property.
Emergency resolved
The engineer resolves the covered emergency, keeping your tenants safe.
Trusted by UK landlords since 2013
An FCA-authorised home emergency and appliance insurance intermediary, and winner of the 2019 Broker Innovation Award.
Rapid claims process
A streamlined process that gets an engineer to your property fast.
Price Match Promise
Found the same cover level cheaper within 14 days? Tell us and we'll aim to match it, subject to our Price Match Terms.
24/7 Emergency Helpline
Tenant emergencies don't wait for office hours, so our Emergency Helpline (03333 449 247) doesn't either.
Nationwide engineers
A countrywide network of qualified, Gas Safe registered engineers.
Not sure which plan fits your rental?
Leave your details and one of our experts will call to explain the benefits and exclusions, so you can choose the landlord cover that's right for your property and tenants.
- Nationwide Gas Safe registered engineers
- Essential or Premium per-claim limits explained
- Optional CP12 add-on and tenant accommodation cover
Frequently asked questions
What is landlord home emergency cover?
Landlord home emergency cover helps landlords deal with certain sudden problems at a rental property that need urgent attention.
It can help with call-out charges, labour, parts, and materials for covered emergencies, depending on the plan. The page also states that cover can include emergency alternative accommodation for tenants where applicable under the policy.
This type of cover is designed for emergencies, not general maintenance or routine repairs. Claims are subject to policy terms, conditions, limits, and exclusions.
What insurance cover should landlords consider?
A landlord may need different types of landlord insurance depending on the rental property, tenancy, mortgage requirements, and the level of protection they want.
Landlord home emergency cover is designed to help with certain urgent problems at a rental property, such as boiler breakdown, heating failure, plumbing issues, electrical faults, and other emergency repairs, depending on the plan selected. It is not the same as standard buildings or contents insurance.
You should check what cover you already have and compare it with the landlord home emergency cover options available, including the policy terms, conditions, limits, and exclusions.
Who is landlord cover designed for?
Landlord cover is for landlords who own a rental property and want support with certain home emergencies affecting their tenants or property.
It may be suitable if you are responsible for maintaining essential systems such as the boiler, heating, plumbing, drainage, or electrics in the rented home. The right plan will depend on your property setup, your responsibilities as a landlord, and the level of emergency support you want.
Before choosing landlord insurance or landlord home emergency cover, check the eligibility criteria, policy documents, and any exclusions that apply.
What is the best landlord home emergency cover?
The best landlord home emergency cover is the plan that matches your property, your tenants’ needs, and the systems you want to protect.
For example, a boiler-focused plan may suit landlords who mainly want support for emergency boiler breakdown and internal gas supply pipe issues. A wider home emergency plan may be more suitable if you also want cover for heating, plumbing, electrics, drainage, security and lock keys, or pest infestation, depending on the plan selected.
There is no single best option for every landlord. Compare the cover levels, claim limits, exclusions and optional extras before choosing.
Is landlord home emergency cover worth it?
Landlord home emergency cover may be worth considering if you want help managing urgent repair issues at your rental property.
It can support you with covered emergency repairs, call-out charges, labour, parts and materials, depending on the policy. This may be useful if a boiler breaks down, heating fails, plumbing causes damage, electrics stop working, or another covered emergency affects your tenants.
Whether it is suitable depends on your property, existing insurance, maintenance arrangements and budget. Review the policy terms, conditions, limits and exclusions to decide if it meets your needs.
What does landlord home emergency cover include?
Landlord home emergency cover can include support for urgent issues that affect key systems in a rental property.
Depending on the plan, cover may include:
- Emergency boiler breakdown
- Internal gas supply pipe
- Domestic central heating
- Internal plumbing
- Electricals
- Drainage
- External water supply pipe
- Security and lock keys
- Pest infestation
- Optional annual boiler service
The plans shown include an unlimited annual claim limit and a £500 per claim limit. Exclusions include non-emergencies, general maintenance, removal of limescale, sludge or debris, boilers not serviced within the last 12 months, and leaks that do not cause damage to the property. Cover is subject to policy terms, conditions, limits and exclusions.
What is the difference between Landlord Smart Boiler, Landlord Smart Heating, Landlord Smart Home and Landlord Smart Home Plus?
The difference between these landlord plans is the level of cover provided for rental properties and the types of systems included.
Landlord Smart Boiler
Covers the boiler only, including breakdowns, servicing, and a CP12 certificate. It does not include central heating or other home systems.
Landlord Smart Heating
Includes boiler cover along with the central heating system, offering wider protection for heating-related issues in the property.
Landlord Smart Home
Provides more comprehensive cover, including boiler, central heating, plumbing, electrics, and drainage, helping landlords manage a wider range of home emergencies.
Landlord Smart Home Plus
Offers the most extensive level of cover. It includes everything in Landlord Smart Home, with additional protection for pest infestations and security & lock issues.
All plans include an annual gas safety check (CP12 certificate) and are designed to support landlords in maintaining essential home systems. Cover is subject to policy terms, conditions, exclusions, and claim limits.
Is a CP12 gas safety certificate included?
CP12 is not automatically included in the insurance cover. It is available as an optional add-on: an annual gas safety check with a CP12 certificate (the Landlord Gas Safety Record), carried out by a Gas Safe registered engineer.
By law, landlords must have gas appliances and flues checked every 12 months, so adding this can help you stay compliant, though it is a separate, non-insurance feature from your landlord home emergency plan.
How much does landlord home emergency cover cost?
Landlord home emergency cover starts from £10.90 a month for Landlord Smart Boiler on the Essential tier (£500 per claim), rising for the wider Landlord Smart Heating, Smart Home and Smart Home Plus plans.
The Premium tier (£1,000 per claim) is available on every plan for a higher monthly price. All plans, on either tier, include an unlimited annual claim limit. Prices include all relevant taxes and are shown at £0 excess; other excess options are available.
What is the difference between Essential and Premium landlord cover?
Essential and Premium landlord plans cover the same emergencies for a given plan, the difference is the per-claim limit and the price.
Essential gives a £500 per-claim limit at the lower monthly price, while Premium doubles that to a £1,000 per-claim limit for a higher monthly price. Both tiers include an unlimited annual claim limit.
Does landlord home emergency cover pay for a tenant's alternative accommodation?
Smart Cover landlord cover can include arrangement of emergency alternative accommodation for tenants where the property becomes uninhabitable following a covered emergency, subject to policy terms, conditions and limits.
Your tenant needs to settle the accommodation charges themselves, and the insurer reimburses this on acceptance of your claim. Check your policy documents and Insurance Product Information Document for the details that apply to your plan.
What happens if my rental property is empty between tenants?
Cover is normally excluded once a property has been unoccupied for more than 30 consecutive days. Landlord plans make an exception to this: if you usually let out the property and are actively seeking a new tenant, cover can continue during that void period.
How soon does landlord home emergency cover start?
A 28-day waiting period applies from the policy start date for landlord policies before a claim can be made. Emergency assistance is still available on a pay-on-use basis during this period.
Is landlord home emergency cover the same as buildings insurance?
No. Landlord home emergency cover helps with urgent emergency repairs such as boiler breakdown, heating failure, plumbing and electrical faults. It is not the same as buildings or contents insurance, which cover damage to the property or its contents.
Many landlords hold both, alongside landlord liability cover. Check what you already have before choosing.
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