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Landlord home emergency cover

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The landlord home emergency cover is part of a plan a property owner should have in place to handle situations that need immediate attention. This cover handles problems with livability situations along with security concerns.

The landlord home emergency cover is part of a plan a property owner should have in place to handle situations that need immediate attention. This cover handles problems with livability situations along with security concerns.

What does the landlord home emergency insurance cover?

This type of protection provides immediate help when a situation on your property needs to be addressed without delay. The following are situations that fall under emergency cove,r but not limited to them.

  • Roofing problems, including storm damage where the roof is leaking and might be unsafe to occupy the residence.
  • Unexpected boiler problems where heat can no longer be supplied to the residential flats.
  • The handling of pipes that burst which leads to no water pressure and or flooding of a space or spaces being occupied.
  • The blocking of pipes, drains and sewer connection where the backed up liquid is a sanitation hazard.
  • Natural gas pipe leaks that could lead to an explosion.
  • Damage from a break in or vandalism that makes the property unsecured.
  • Electrical failure causing one or more of the units to be without power.

If the situations need to be handled in a short allotment of time, like when there is no heat in the winter, it can be classified as an emergency and be covered with landlord home emergency insurance. This protection is available 24/7 but is generally limited to £500 or £1,000 in costs per emergency. The exact amount is determined by the insurance company and is stated in the policy.

How do I get emergency help?

Nearly all providers of landlord home emergency cover have a 24/7 hotline that can be called for immediate assistance. This call can be by anyone who is authorized. The call can be from the landlord, the caretaker of the property and in some instances a tenant in the building. 

Once the call is made the policy provider will contact the appropriate contractor and dispatch them to the scene of the emergency. 

Will the repairs be permanent?

Emergency repairs are measures taken to get the situation under control. This can be the use of a large tarp to stop the rain from entering the building. The permanent repairs of the roof will then be covered under the standard building cover and done at a later date.

The same type of handling the situation will occur with a broken pipe or clogged drain, the situation will be remedied with permanent repairs done at a later date.

Landlord home emergency cover is not a standalone policy, but part of a comprehensive landlord insurance policy that will include the building, the property and contents along with legal protection. For more information on what is covered please look at compare landlord insurance. For those looking to compare policies, there is quote page landlord where several quotes from different providers will be sent to your inbox.