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

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Why choose landlord home emergency insurance with Towergate?

Landlord

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.

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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.

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24-hour helpline

Access to a 24-hour helpline.

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Access to approved contractors

Only approved contractors are used for peace of mind.

About landlord home emergency insurance

It’s not always straightforward to find a reputable contractor at short notice and even if you do it can be expensive. Landlords home emergency cover provides you with a low cost solution ensuring help is always available when you need it most.

What does landlord home emergency cover include?

With one call an approved contractor will come to your rented property and make emergency repairs if your property is affected by an unforeseen domestic emergency.

The policy will pay up to £500 for all contractor’s costs, charges, and parts and materials used relating to the same emergency.

The policy includes all the following domestic emergencies:

  • The complete breakdown of the heating system
  • Plumbing and drainage problems
  • Damage which affects your property's security, including locks and windows
  • If the only toilet is broken
  • Loss of the power supply
  • Lost keys
  • Vermin infestation

In addition the policy can provide alternative overnight accommodation (up to £250) for your tenants if your property is unsafe or uncomfortable to stay in.

What isn’t included in landlord home emergency 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

Why do I need landlord home emergency cover?

If there is an unexpected emergency such as a burst pipe or boiler breakdown, you will want to put things right as quickly as possible to protect your property from further damage and make the property safe and comfortable for your tenants to live in.

How much does landlord home emergency cover cost?

Landlord's home emergency cover costs £79.99 (including IPT of 12%) per property, per year. We will pay up to £500 per claim in total and cover:

  • Contractor’s call-out fee
  • Labour costs
  • Parts and repair materials
  • Cost of alternative accommodation up to £250

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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.

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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.

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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.

Building

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.
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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.

A home emergency insurance policy is intended to pay claims for those unforeseen insured events that can occur, subject to your compliance with the policy terms and conditions.

Typically, insurers will review their premiums annually taking into account several factors including the number of claims made, and amounts paid to you under your policy, as well similar factors on policies sold to others.

This may result in a change in policy terms and conditions, and/or an increase in premium at future renewal. However, simply having a claim will not always affect your premium and terms.

The policy will pay up to £500 for all contractor’s costs, charges, and parts and materials used relating to the same emergency. This can include, but is not restricted to complete breakdown of the heating system, plumbing and drainage problems, and loss of the power supply. 

If the cost comes to more than £500, then the remainder is your responsibility. When you advise us of the incident, will advise you of the cover provided by the policy.

The specifics of your insurance policy, including coverage and any potential contributions for replacement appliances, will depend on the terms and conditions of your policy, and how the boiler became so damaged.

A landlord home emergency policy is not designed as a boiler maintenance contract, and so the policy would not cover you for a replacement boiler as a result of wear and tear.

The insurer will have a 24hr claims reporting line, and they will decide on the best course of action to limit your loss and/or repair the damage. If the incident relates to an emergency covered under the policy, they will instruct a member of their emergency contractor network. Please note that severe weather conditions or remote locations may affect normal standards of service.

It is important you notify the claims reporting line as soon as possible of any claim. Do not call out your own contractor unless the insurer has agreed to this. Failure to obtain pre agreement could result in the non- payment of your own contractors costs and may impact your policy cover.

The landlords home emergency 24-hour claims reporting line will respond quickly where help is necessary to prevent or reduce damage to the rented property and its furnishings, or to make it safe and secure to live in.

However, the landlords home emergency policy solution is not a property maintenance contract. It cannot help with problems that result from wear and tear.

Read more FAQs

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