Home emergency cover for landlords is crucial in the event of an emergency. An emergency can happen at any moment, at any time of the year, at any time of day. That’s why it’s so important to be prepared if it happens to your tenants in your property.

The best landlord home emergency cover will give you peace of mind that not only will the emergency be dealt with, but the costs of call-outs and repairs will be covered too.

What is landlord emergency cover?

Landlord home emergency cover is part of landlord insurance and covers the costs of out-of-hours emergency callouts and emergency repairs.

You never know what might happen to your property - sometimes, it’s just out of your hands. Whether it’s a burst pipe, the boiler service breaks down, or the power supply stops working, you’re going to have to get it fixed.

An emergency constitutes anything that puts your tenant or property at risk of harm or damage, including if the property’s security becomes compromised. If you’re searching for landlord home emergency insurance comparisons, you need to remember that the core of landlord emergency cover centres around protecting you, your tenants, and your property.

What does home emergency cover include?

If you compare home emergency cover for landlords, every insurance policy has different elements of cover. This list is what you can expect from most policies:

• Plumbing - Covers the repair of burst pipes and blocked drains.
• Heating - Covers the repair of boiler breakdowns, causing the tenant to have no heating or hot water supply.
• Utilities - Covers the repair of electricity or gas supply.
• Storms - Storms may cause roof damage that causes immediate leaks.
• Security - Damage to doors, locks, or windows that compromise the security of the property.
• Lost or broken keys - If you lose access to the property.
• Infestation - Pest infestation.
• Alternative accommodation - Covers the costs of the tenant’s temporary accommodation if the emergency makes the property uninhabitable.

What does home emergency cover for landlords NOT include?

Home emergency cover is strictly for what its name suggests - emergencies. This means that a lot of money that has to be spent on rental properties is not included in this cover. Not even the best home emergency cover for landlords includes these elements:

• Routine maintenance and repairs
• Everyday wear and tear repairs
• Routine checks of boilers and gas supplies
• Damage or pest infestations that were known about before you bought insurance cover
• Damage caused by malicious intent
• Damage caused by poor workmanship or DIY
• Costs of additional repairs after the emergency has been resolved
• Any property that has been unoccupied for over 30 days

Despite this list not being included, a range of landlord insurance policies can cover some of these issues. Building insurance, contents insurance, guaranteed rent insurance, and landlord liability insurance are all alternatives or additions to explore when covering your rental property and your role as a landlord!

Why do I need landlord home emergency cover?

Put simply, home emergency insurance is a method to put landlords at ease. Emergencies are emergencies because we don’t see them coming. However, with insurance, landlords can feel more prepared and less stressed if an emergency event occurs, even on Christmas Day or when you’re away on holiday! 

Although it might seem like you’re spending extra money on insurance, it will save you a lot of money if an emergency does occur. It will protect your expenses and your property because if emergency help can be sent out immediately, there will be less chance of long-term costly damage and repairs. The insurance also covers the costs of call-outs so that the damage can be repaired quicker and won’t drain your budget.

If anything, it ensures that your tenants are kept safe. A quick response to an emergency means they can return to living in your property problem-free.

Finding the best home emergency landlord cover

The most important element of finding cover is that it’s right for you and your property. Every landlord will search for different types of cover, but it’s important that you stick to what will benefit your property the most.

A good place to start is comparison websites to compare costs and services and gain an overall picture of what you’ll be investing in.

How LetsInsure Can Help

LetsInsure is an experienced provider of Home Emergency Assistance, Rent Guarantee Insurance, and Deposit Replacement Insurance for landlords of rental properties. We offer personalised protection and compliance to landlords across the UK, assisting in insurance cover, especially with home emergencies.

We’re here to assist landlords like you feel protected from emergencies with our excellent 24 hour access cover.

If you’re interested in Home Emergency Assistance and how we can help, you can sign up to our services for free or contact us with any questions you may have.

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