Landlord Home Emergency Cover

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.

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.

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.

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.

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.

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.