Landlords Home Emergency Cover

Our landlord home emergency cover is an upgrade option to our standard landlord home insurance policies – just select it on the ‘Your quote’ page when you get a quote for landlord insurance.

If you let out residential property, landlords home emergency cover protects you against the cost of call-out charges, labour, parts, and materials – as well as emergency alternative accommodation for your tenants (up to a certain limit) – if the property becomes unsafe or uninhabitable as a result of a home emergency such as leaking pipes, heating or electrical system breakdowns, drainage problems, and vermin and security issues.

Assistance 24 hours a day, 365 days a year

Emergency assistance will be provided 24 hours a day, 365 days a year (yes, including Christmas Day!) for:

  • Burst pipes or sudden leakage.
  • Failure of your domestic power supply (gas or electricity)
  • Blocked drains or sewers.
  • An inoperable toilet where there is only one toilet at the property.
  • Failure of or damage to your property’s locks, doors or windows.
  • An infestation of pests.

If your tenant rings you with any of these, just call our emergency helpline with your policy details and we’ll handle the rest! And with Homeprotect landlord emergency assistance cover there’s no limit on the amount of callout time per year.

More details can be found in our Insurance Product Information Document (IPID).

How to get Landlords home emergency cover for less

There are discounts available on the cost of Landlord home emergency cover if you buy it at the same time as Landlords legal expenses.

What to do if there’s a home emergency at your rental property

Step 1: Keep calm and tell your tenants to get to a place of safety if necessary.

Step 2: Locate your home insurance documents: you will need to give us your policy number.

Step 3: Call the 24/7 emergency helpline on 0330 660 0660. (Tip: keep this in your mobile phone in case your tenants call you when you’re away from home.)

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Landlord Insurance Cover Levels

Our landlord insurance is designed to protect your property against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.

Buildings cover

Covers the main structure of your home, including attached garages and conservatories, if you need to rebuild or repair it following an insured loss. Also covers permanent outdoor structures such as driveways, patios and boundary walls.

£1 million

(more cover available if you need it)

Contents cover

Covering the value of all your possessions in the home, on a new for old basis. As standard, our buildings insurance provides up to £7,500 of cover for your landlord contents. If you choose to add contents insurance, we provide up to £30,000 as standard.

up to £30,000

Loss of rent

We’ll cover lost rent if your tenants can’t live in the home due to an insured event. 

up to £30,000

Landlord home emergency

Covers sudden, unexpected emergencies, such as uncontrollable water leaks, that require immediate corrective action to prevent or limit damage to your home, or make your home secure. Two levels of cover are available, for different types of insured loss. 

up to £500

Family legal protection

Covers legal costs following an insured loss. There must be reasonable prospects of winning and the incident must have occurred during the policy term. Two levels of cover are available, for different types of insured loss.

up to £25,000

Trace and access

Covers the cost of detecting the source of a water or oil leak and repairing any damage caused in the process.

up to £10,000

Outbuildings cover

Covers rebuild or repair of your outbuildings (e.g. detached garages, greenhouses, sheds and summerhouses) that are within the boundary or a communal area you’re legally responsible for, if you need to rebuild or repair them following an insured loss.

from £20,000

Liability cover

Covers damages and claimants’ costs and expenses for your legal liability in the event of accidental death, injury or illness to a third party, or damage to property belonging to a third party.

up to £5 million

Landlord Legal Protection with Rent Guarantee

This is optional cover, tailored for landlords, which replaces the Family Legal Protection which is included as standard. It provides a 24/7 legal advice helpline and up to £50,000 cover for claims relating to the letting of your property including repossession, property damage, recovery of overdue rent and payment of rent arrears during an eviction process. Protection provided only when more than a 50% chance of recovery.

Optional

Accidental damage

Covers sudden, unexpected and unforeseen events around the house (e.g. spillages or breakages) that result in physical damage and which was caused by you, your guests, a third party or wild animals. Two levels of cover are available.

Optional

What’s covered by landlords home insurance?

Landlords insurance provides financial protection if you need to repair the property you let or replace your belongings after they’ve been stolen, damaged or destroyed.

It comes in two parts: buildings insurance (cover against damage to the property itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you.

What we offer

Quick home emergency response times

Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.

Extreme weather conditions may extend response time. Policy terms and claim limits apply.

5 star rated buildings cover

Our building insurance has been given the highest rating by independent financial research companies, Defaqto and Moneyfacts.

Repair guarantee

Any buildings work we undertake is guaranteed for 24 months following a claim and any contents repair work we undertake is guaranteed for 12 months.

New for old

Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.

Legal advice

We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.

What isn’t included?

Damage cause gradually, or by wear and tear, or by failure to fix a known issue.

Faulty design or poor workmanship.

Theft, vandalism or malicious damage caused by a tenant.

The cost of repairing or replacing items following a mechanical or electrical fault.

Lost items.

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