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.
Covers the main structure of your home if you need to rebuild or repair it.
up to £1 million
(eligibility criteria applies)
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
Covers emergencies that occur in your home like uncontrollable water leaks, electricity failure, faulty locks and vermin infestation. Two levels of cover are available.
up to £500
Family legal protection
Provides a 24/7 legal advice helpline and up to £25,000 cover for claims involving contract disputes and property damage. For a claim to be successful, there must be reasonable prospects (more than a 50% chance) of winning the legal case. Two levels of cover are available.
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
Covers rebuild or repair of your outbuildings (such as detached garages, greenhouses, sheds and summerhouses).
Liability cover involving accidental death, bodily injury or illness or property damage that you are legally liable to pay.
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.
Covers situations when unexpected accidents happen, such as spillages on the carpet, breakages around the house or drilling through hidden pipes. Two levels of cover are available.
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.
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.
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.
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