Landlord emergency cover
Landlord home emergency cover is offered as an optional extra on most landlord home insurance policies. It can help recoup the cost of out-of-hours callouts and subsequent repair fees that can result from emergency situations.
Landlord emergency cover policies provide emergency assistance 24 hours a day, 365 days a year. So if your tenant suffers a burst water pipe on Christmas Day, you should be able to get it sorted.
What does it cover?
If you choose to opt for home emergency cover, bear in mind that limits and exclusions vary between insurance providers. Typically, however, you’ll be covered for situations such as:
- plumbing and heating problems (aside from normal wear and tear), burst pipes and boiler breakdowns
- water mains or electricity supply failure
- roof damage that causes a sudden leak
- blocked drains and sewer problems
- damage to the property’s doors, locks or windows that compromises security
- sudden pest infestation
- gaining tenant access after losing keys
Most policies also cover overnight, alternative accommodation costs if the emergency makes the property unsafe or unfit to live in.
Why do I need landlord emergency cover?
As a landlord, you have a responsibility to keep your tenants safe. If the boiler breaks down unexpectedly, a pipe bursts and floods your property or the roof starts to leak after a storm, it could be very distressing – or even dangerous – for your tenants.
Repairs need to be taken care of as soon as possible to prevent any further damage, reduce the impact on your tenants, and to make the property safe again. But arranging emergency repairs can be stressful, especially if you live far away, or you’re currently out of the area.
With emergency landlord cover you can get 24-hour assistance, 365 days a year, so you have peace of mind that any problems will be handled, even if you’re not there to take care of it yourself. With many policies, you can even get your tenants added to the policy as interested parties so they can arrange emergency repairs themselves.
Frequently asked questions
What isn’t covered by landlord home emergency insurance?
Landlord emergency cover is only valid for unexpected emergencies. It won’t cover:
- routine maintenance and repairs
- wear and tear costs
- damage caused by faulty workmanship or DIY
- damage as a result of a malicious or intentional act
- annual boiler servicing
- in some cases, the cost of permanent repairs once the emergency has been resolved
- faults, damage or pest infestations you were aware of when you purchased cover
- repairs already covered by your general buildings and contents insurance
- properties left unoccupied for a set period (usually more than 30 consecutive days)
- electricity failure caused by a power cut
Always read the policy terms and conditions for a detailed list of what is and what isn’t covered, before you buy.
Does landlord emergency insurance include boiler cover?
Yes, it should cover you if your boiler breaks down, but you’ll need to get your boiler serviced annually or it could invalidate your claim.
What happens if I need to make a claim?
If your insurance provider offers emergency cover, they should give you a 24-hour helpline number that you or your tenants can call if you need to arrange emergency repairs.
Don’t try to organise the repairs yourself as the insurance provider may have existing arrangements with contractors.
Your insurance provider may also cover you for, and help arrange, alternative accommodation for you if needed.
What else do I need to know?
As a landlord you have a legal obligation to keep your tenants safe. Your responsibilities include:
- making sure gas equipment is safely installed and checked annually
- making sure the electrical system and any appliances you’ve supplied are safe
- following fire safety regulations, including keeping fire escape routes clear and providing smoke alarms on every floor, a carbon monoxide alarm in any room with a solid fuel burning appliance, and, in some cases, fire extinguishers
If your tenant reports your house as unsafe, you could face legal action. For detailed guidance on your legal responsibilities, visit the gov.uk website.
It’s important to keep your rental property well maintained. Emergency cover doesn’t include damage caused by gradual wear and tear, so your insurance provider may not pay out if they decide the emergency repairs are needed because of gradual deterioration. Keep safety certificates in a secure place along with a record of regular services and maintenance.
For more information, read our guide to your responsibilities as a landlord.
How much does landlord emergency cover cost?
Costs and cover levels vary between insurance providers and may also depend on the limit of cover per claim and the specific emergencies covered by a policy.
How do I compare landlord emergency cover?
It takes minutes to compare landlord emergency cover with Compare the Market. Just give us a few details about you and your rental property, and we’ll send you a list of suitable quotes to choose from.
What do I need to get a quote?
To get a landlord insurance quote, we need to know:
- if the property is leased for residential or commercial purposes, or both
- the type of property. Is it a flat, bungalow, house, shop, warehouse?
- when the property was built and how long you’ve owned it
- details about your tenants and the agreements you have with them
- how much it would cost to rebuild your property from scratch
- the value of any rental contents you’re leaving in the property and want to insure
- details of the condition of the property and the security and locks you have fitted
- if you want extra cover for legal expenses, property owner liability, tenant default or emergency repairs
You'll also need to provide a few personal details – unless you’ve compared with us before, then we’ll do that for you.Start a quote
Landlord insurance providers
We compare a range of landlord insurance providers, including Zurich, Churchill and AXA, to help you get a great-value quote.
From the Business team
What our expert says
“If your rental property needs emergency repairs, a last-minute call -out could cost you more than you think. Save yourself the hassle with 24/7 emergency assistance and keep your tenants safe and happy.”