Landlord Home Emergency Cover
Landlord home emergency insurance cover.
- Landlord’s home emergency insurance can be added to your existing landlord policy for just £79.99 (inclusive of 12% Insurance Premium Tax) per property
- Covers emergencies such the complete breakdown of the main heating system in the property, failure of the domestic electricity or gas supply.
- Includes cover for lost keys and vermin infestation.
Call us on 0344 892 1664
One of the UK's leading independent insurance brokers
Why choose landlord home emergency insurance with Towergate?
Emergency response for lost or theft of keys
The loss or theft of the only available keys, if you cannot replace them, to gain access to the property.
Emergency response for external doors, windows or locks
Emergency response for damage or failure of external doors, windows or locks posing a security risk to the property.
24-hour helpline
Access to a 24-hour helpline.
Access to approved contractors
Only approved contractors are used for peace of mind.
About landlord home emergency insurance
24-hour helpline for home emergencies
With landlord home emergency cover, you and your tenants can access a 24/7 helpline to arrange a call out with one of the approved contractors. This means that the problem is fixed quickly and you meet your responsibility as a landlord to take care of your property and tenants.
Help with home emergencies
It’s not always straightforward to find a reputable contractor at short notice and even if you do it can be expensive. The policy provides you with a low cost solution ensuring help is always available when you need it most to limit damage to your property.
Emergency cover for bust pipes, boiler breakdown, security and vermin
One policy covering burst pipes, complete failure of gas boilers, central heating systems and main services. The policy also provides cover for lost keys and damage or failure of external doors, windows or locks posing a security risk to the property, as well as removal of vermin infestations.
Alternative Accommodation Cover
Overnight accommodation costs for your tenants (including transport there) for up to £250 including VAT following a property emergency which makes the property unsafe, unsecure or uncomfortable to stay in overnight.
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
- Find your insurance documents and make sure you have all your information at hand, including your policy number.
- Call the claims team on 0330 303 1356 and explain exactly what happened.
- Provide photos if requested to help us understand what happened as quickly as we can.
Ready to get covered?
- Fill in our online quote form or call us
- Purchase your policy
- Relax - You're covered!
Landlord home emergency insurance FAQs
Yes, your tenants can call us directly. All they need to provide is the policy number (make sure that you provide this to them) and the address they live at.
No, landlord emergency cover insurance cannot be bought in isolation but it is an add-on you can choose when you buy a residential landlords insurance policy. You can also add it to an existing landlords policy midterm; you don’t have to wait until renewal.
Our policy is not suitable for: Holiday Homes, House of Multiple Occupancy (HMO), Commercial Properties and Non UK based Properties.
The policy does not cover;
- Events that do not result in the property becoming damaged, unsafe or unsecure to stay in.
- Contractor’s costs that you incur without our consent.
- The costs of reinstatement or redecorating the property where damage has been caused.
- Wear and tear, day-to-day maintenance and making permanent repairs once the emergency has been dealt with.
- Heating breakdown if the boiler is more than 15 years old.
- Warm air, LPG and solar heating.
- Leaking appliances.
- Roof Damage
These are important restrictions to the policy you should be aware of;
- Cover applies only for the contractor’s call out charge, labour costs, repair materials, replacement parts where we have agreed it is necessary and up to the sum shown in your policy wording.
- Your tenant(s) will have to pay the alternative accommodation costs and send the receipt to you, to forward to us to be reimbursed.
- If you do not purchase this policy when you take out your landlords building insurance policy, a 14 day waiting period will apply
To help you spread the cost of your landlord insurance premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.
The policy is provided by ARAG plc who are authorised to administer this insurance on behalf of the insurer SCOR UK Company Limited (“SCOR”).
SCOR is registered in England and Wales number 01334736. Registered address: 10 Lime Street, London, EC3M 7AA. SCOR is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority firm registration number 202333.
See our range of cover for landlords
Landlord home emergency insurance articles and guides
A Landlord’s Guide to Paying Tax on Rental Income
This guide explains how to calculate your rental income and how to declare it to HMRC, with some helpful tax advice for landlords.
Read moreCharacter Reference Template for Landlords
As a landlord, you may sometimes have to provide past tenants with character references. Download our template letter and tips on what to write.
Read moreCosts of Being a Landlord
Whilst letting property can be a great way to make money there are still many costs associated with being a landlord.
Read more