Optional Cover for
Accidental damage cover
This is not always offered as standard, so be sure to make clear during your quote that you want accidental damage coverage included.
Accidental damage is considered damage to the property not classed under another insurable peril. Examples include:
- Foot through the loft.
- Nail through pipe.
This is specifically to cover accidental damage caused by you. Accidental damage when caused by you tenant is usually covered by their deposit or even potentially their own insurance. Please refer to our tenant damage section for more details.
This is help with legal fees when taking someone to court for non-payment or equally when defending someone taking the landlord to court. Legal cover is not usually found as a standard policy feature but can be requested as an optional add-on to your policy. As a landlord you will have specialist requirements and you should speak to an advisor to discuss the costs and level of coverage you might be interested in.
Tenant damage cover
Tenants are considered to be on your property with your permission, which is why this type of cover is not a standard requirement. If an incident arose where tenants were to accidentally damage or intentionally cause malicious damage beyond the value of their deposit, this option would keep you covered for the costs.
If an incident arose where tenants were to intentionally cause malicious damage beyond the value of their deposit, this option will keep you covered for the costs.
Emergency assistance cover
Emergency assistance cover for landlords is an extra level of cover that some insurers provide as an additional cover on landlord insurance. Typically policies include a combination of the following elements:
A boiler break down can be a great cause of frustration and even cause health risks for tenants, especially in winter. Making sure you have your boiler covered with a quick incident response time means you can rest easy should something go wrong. The sudden failure or breakdown of your boiler is not included as standard on a landlord insurance policies. Usually you would arrange supplementary cover through a third party like British Gas.
Plumbing and drainage cover
Sudden damage to the home’s plumbing and drainage system caused by breakage or blockage and flooding. Drainage issues often arise in the autumn, as levels of rain increase and fallen leaves block up the gutters. If left untreated, water damages produced by plumbing and drainage issues can result in other issues such as mould.
Home security cover
If its windows or doors become damaged the house becomes insecure, which could result in theft or environmental damage to your property. Making sure that a broken door or window is replaced swiftly mitigates that risk, helping your tenants to sleep soundly.
Should there be problems with domestic power outage, leaving your tenants literally in the dark, this element of your emergency cover will get an electrician sent out within 24 hours, making the sure the problem is solved swiftly.
Lost keys cover
If the only set of keys to the home are lost or stolen, preventing access, then lost key coverage can save the day by providing access to the property. These things happen!
Sometimes the critters try to get the best of us. With vermin cover, you can make sure an infestation is dealt with swiftly and professionally, protecting your property and the wellbeing of your tenants. This covers mice, rats, wasps and hornets. This is generally excluded from standard landlord insurance policies.
Another risk, especially during the blusterier seasons, is damage to the roof of your property. If something does happen which has or is likely to cause internal damage than the roofing feature of emergency assistance will have you covered.
To learn more about emergency assistance and other optional landlord insurance covers, request the policy documents and discuss with an advisor to find the right cover for you.