Landlords’ home emergency & boiler cover
What is landlord home emergency insurance?
Landlord Home Emergency insurance gives you round-the-clock access to emergency repairs at your rental property when urgent help is needed. It’s designed to prevent further damage, make the property secure, or relieve risk or discomfort to your tenants.
Typical insured emergencies include:
- Boiler or central heating failure
- Burst pipes or uncontrollable leaks
- Power outages within the property
- Blocked drains or toilets (if it’s the only toilet)
- Damage to the roof that risks internal damage
- Broken locks, doors or windows leaving the home insecure
- Vermin infestations (e.g. rats, mice, squirrels, wasps or hornets)
If your property becomes uninhabitable, we also contribute up to £300 towards hotel accommodation for your tenants.
We’ll arrange and pay for a contractor to carry out emergency repairs, up to a £500 limit per claim, including:
- Call-out charge
- Labour
- Parts and materials
Do I need landlord home emergency cover?
This cover is particularly useful if:
- You don’t live near your rental property
- You want reassurance that urgent issues can be dealt with quickly
- You need help outside of normal business hours
Home Emergency is a fast-response service designed to fix or limit damage — it’s not the same as landlord buildings insurance, which covers the cost of reinstating your property after the damage has been done.
Many landlords find it helpful to have both.
Is landlord boiler cover included?
Yes, our Landlord Home Emergency covers the cost of repairing the main hot-water or central-heating system in your property (up to the £500 claim limit). This cover includes the pipes that connect components of the system.
The product doesn’t provide cover if your heating system is beyond economic repair (i.e. it costs more to repair than it would to buy a new one) or cannot be repaired. It won’t cover a replacement system.
Additionally, it won’t cover cold-water supply or drainage pipes, non-domestic heating or non-domestic hot water systems, or any form of solar heating or warm air system (e.g. heat pumps).
See the cover levels and what is covered sections below for full details.
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Landlord home emergency cover levels
All Homeprotect landlord policies come with our Basic Home Emergency as standard, provided at no cost to our customers. We also have an upgrade option, Landlord Home Emergency, which extends the type of home emergencies you can claim for.
| Emergency Type | What’s Included |
|---|---|
| Heating system | Failure of your main hot water or central heating system (including connecting pipes) |
| Plumbing & drainage | Leaks, blockages or breaks within the boundary of your property |
| Toilet failure | If your property’s only toilet (or all toilets) stop functioning |
| Electricity or gas failure | If failure occurs inside the boundaries of your property |
| Roof damage | Where internal damage has occurred or is likely |
| Security | Damaged locks, doors or windows making the property insecure |
| Vermin infestations | Infestations preventing safe use of rooms (e.g. rats, squirrels, wasps, hornets) |
Key Limits and Exclusions
There are exclusions and limitations to Home Emergency cover (both Basic and Landlord versions), including:
- Emergency assistance limit: Up to £500 per claim (call-out, labour, parts)
- Hotel accommodation: Up to £300 if the property is uninhabitable
There is no cover for:
- Cold-water supply pipes or rainwater drains
- Replacement of broken boilers or uneconomical repairs
- Outbuildings, fences, or communal areas
- Damage caused by poor maintenance or pre-existing issues
- Properties left unoccupied for more than 30 consecutive days (unless noted in your Statement of Fact)
- Claims made within the first 48 hours (if Home Emergency cover was added separately to your main policy)
COMPARING BASIC COVER AND LANDLORD COVER
Compare cover levels using the table below.
| Cover Levels | Basic cover | Landlord cover |
|---|---|---|
| Policy type | Included as standard | Optional upgrade |
| Total callout limit per year | Unlimited | Unlimited |
| Cost per year | – | £119.99 |
| Emergency assistance claim limit | £500 | £500 |
| Hotel accommodation | ✖ | ✔ |
| Hotel accommodation claim limit | – | £300 |
| Heating incidents (e.g. boiler failure) | ✖ | ✔ |
| Roof damage (e.g. following a storm) | ✖ | ✔ |
| Plumbing and drainage (e.g. blocked drains, burst pipes) | ✔ | ✔ |
| Power failure (e.g. gas or electricity failure) | ✔ | ✔ |
| Toilet failure (e.g. no usable toilet in your home) | ✔ | ✔ |
| Home security (e.g. smashed windows, broken locks) | ✔ | ✔ |
| Vermin infestation (e.g. rats or mice) | ✔ | ✔ |
How can I buy landlord home emergency cover?
Basic home emergency cover is included in all Homeprotect home insurance policies, but it might be the case that you want to purchase additional cover more suited to Landlords. To get the benefits afforded by Landlord cover – such as the boiler breaking down in your let property – you need to upgrade to Landlord Home Emergency cover. The easiest way to do this is to simply select full cover whilst purchasing your quote online, or ask to upgrade to it If you are buying over the phone. You can also call us after you’ve purchased your main policy to upgrade to Landlord Home Emergency cover.
How to Make a Claim on a Landlord Home Emergency Policy
If you have a home emergency:
- Claims line is open 24/7: 0808 175 3059
- Or submit online at: homeprotect.co.uk/home-emergency-claims
- Make sure someone aged 18 or over is present when the contractor arrives
Please don’t arrange your own repairs. ARAG won’t reimburse any costs unless the work was agreed with us in advance.
Your Questions Answered
Yes, but a 48-hour exclusion period will apply. During this time, you cannot make a claim unless you’re renewing an existing policy with continuous Home Emergency cover.
No. This policy is designed for unexpected, emergency situations. It does not cover general wear and tear or pre-existing issues.
We provide up to £300 for overnight accommodation for your tenants if the property is unsafe or unsuitable to stay in due to an insured emergency.
No. You can make multiple valid claims during your policy period, as long as each is within the claim limit and the emergency meets the policy definition.
No. As the policyholder, you or your appointed representative must report the emergency. Tenants cannot claim directly.
An insured event must be sudden, unexpected and require immediate action to prevent damage, secure the home, or relieve discomfort or health risk.
Yes. We cover repairs to your main central heating or hot water system, including connecting pipes, up to £500 per claim. We don’t cover systems that are beyond economical repair or full replacements.
Landlord Home Emergency cover is provided in partnership with ARAG, a leading specialist insurer.
No. As long as the incident is covered and within the £500 limit, ARAG will pay the costs directly.
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