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Landlord emergency cover

A guide to landlord emergency cover

Jake Edmonds
Written by  Jake Edmonds
6 min read
Updated: 30 May 2024

When considering landlord emergency cover, it's important to cover all of your bases. In this useful guide, we cover what's included and excluded in most policies, plus show you real life examples of when emergency cover is crucial.

Key points

  • Landlord emergency cover is a specialised insurance providing swift solutions to urgent property issues like boiler breakdowns and electrical faults, ensuring quick repairs and tenant comfort

  • This insurance covers a range of emergencies including plumbing and drainage problems, electrical failures, and heating malfunctions, with features like 24/7 call-out service and no excess on claims

  • When choosing a policy, landlords should evaluate necessary protections, compare insurance providers, and understand policy terms to ensure adequate coverage for unforeseen property emergencies

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What is landlord emergency cover?

Landlord Emergency Cover is a specialised type of insurance designed to assist property owners with urgent issues. Unlike standard landlord insurance, this cover prioritises swift solutions to unexpected problems such as boiler breakdowns, plumbing mishaps, or electrical faults.

It plays a pivotal role in property management by enabling landlords to promptly tackle emergencies, thereby reducing tenant discomfort and averting further property damage.

Why landlords need emergency cover

Emergency cover is essential for landlords to protect against unforeseen mishaps. It provides financial security during emergencies, allowing landlords to handle unexpected costs without financial strain.

Moreover, it ensures quick repairs, which are vital for maintaining the property's value and tenant satisfaction. With emergency cover, landlords can alleviate the stress of sudden repairs, promoting smoother operation of their rental business.

Types of emergencies covered

Landlord Emergency Cover is crucial for addressing sudden, unforeseen incidents that can cause significant inconvenience and high costs. The insurance typically covers key emergencies including:

  • Plumbing and drainage issues: covers issues such as burst pipes and blocked drains, which can lead to water damage or loss of water access. A quick response is crucial to prevent extensive property damage

  • Electrical failures: provides protection against electrical hazards including circuit breaker faults and electrical surges. Failure of the main electrical panel can pose serious safety risks and disrupt the normal functioning of a property

  • Heating and boiler malfunctions: particularly during colder months, it is essential that the heating system and boiler are functioning properly. This cover assists with repairs or replacements if the heating system fails, helping maintain warmth and comfort for tenants

Key features of landlord emergency cover

Landlord Emergency Cover policies offer several crucial features designed to provide peace of mind and swift assistance in the event of an unexpected property issue. Notable features include a 24/7 call-out service, ensuring that help is available at any hour, which is particularly vital for urgent repairs.

Additionally, these policies typically come with no excess on claims, meaning landlords do not have to pay additional costs when making a claim, significantly easing financial pressures during emergencies.

Another important aspect is the coverage limit per call-out, specifying the maximum amount the insurance will cover for each separate emergency assistance, helping landlords manage expectations and budget for potential issues without fear of unmanageable costs.

Choosing the right emergency cover policy

When selecting the best emergency cover policy, landlords should first evaluate the protection they need by considering the types of emergencies that could affect their properties, such as plumbing failures or electrical issues. It's important to ensure the policy covers these events adequately.

Next, comparing various insurance providers is crucial. Look for companies with strong reputations and reviews, and check their claims process and customer service records to ensure reliable support when needed.

Lastly, understanding the terms and conditions of the policy is essential, paying close attention to what is included and excluded from the coverage, and being aware of any deductibles and limits on claims to avoid surprises during emergencies and ensure comprehensive protection for your property.

Common exclusions in emergency cover policies

When exploring emergency cover policies, landlords often encounter common exclusions. Firstly, pre-existing conditions are typically not covered, meaning issues present before the policy started are usually excluded.

Secondly, routine maintenance issues are not covered under these policies, requiring landlords to manage these as part of regular property upkeep. Lastly, claims exceeding the coverage limit are not entertained, making it crucial for landlords to understand these limitations to ensure they are not caught off guard during an emergency.

Case studies and real-life examples

  • A case study of a rapid response to a heating failure: in the chilly depths of winter, a landlord in Leeds faced an urgent call when a tenant reported a broken heater. Thanks to their comprehensive landlord emergency cover, a qualified technician was dispatched quickly, resolving the issue within hours and ensuring tenant comfort and safety

  • Example of cost savings from using emergency cover: consider a scenario where a plumbing disaster occurs in a rental property. Without emergency cover, the repair could cost over £400. However, with the right policy, the landlord only paid a nominal call-out fee, saving hundreds of pounds and avoiding a financial headache

  • Testimonials from landlords about the impact of having emergency cover: several landlords have shared their relief and satisfaction. One noted, 'Having emergency cover is like having a safety net for your property. It’s there when you need it the most, saving time, money, and stress.' Another mentioned, 'It’s not just about the financial savings. It’s the peace of mind knowing that any emergency will be handled swiftly and professionally.'

What isn’t covered by landlord home emergency insurance?

Landlord home emergency insurance typically excludes cosmetic repairs, which are aesthetic enhancements or fixes that do not impact the property's safety or functionality. Also, appliance breakdowns not considered immediate emergencies are generally not covered, including failures of appliances like fridges or washing machines.

While inconvenient, these do not pose a direct threat to the property's structure or the tenant's immediate well-being. Lastly, damage from wear and tear over time is not included, as this type of damage is seen as part of the normal ageing process of any property and is expected to be managed through regular maintenance rather than emergency interventions.

How to get landlord emergency cover

To effectively acquire landlord emergency cover, start by researching and comparing different policies to find the best fit for your properties. Next, evaluate the credibility of insurance providers by checking their customer reviews and financial stability ratings, ensuring you choose a reliable company that can support you in times of need.

Finally, finalise and purchase the policy, ensuring all details are correct and that you understand the terms and conditions.

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