Limitations of landlord boiler breakdown cover
Insurers probably won’t insure your boiler if it’s very old, or hasn’t been regularly serviced, so be sure to check the small print to find out these limits.
Also, watch out for what’s classed as an ‘emergency’. Often, the problem will only be considered an emergency if it is going to cause significant damage to your property, or discomfort to your tenants.
Therefore, a broken boiler on a very warm summer day may not be considered an ‘emergency’. Or, if you’ve got a home emergency policy that covers security, this policy will only cover securing the property after damage – not a full repair. This mean that you may get a broken window boarded up, but to replace it you’ll need to make another claim under your general landlords’ insurance policy.