Landlord Home Emergency Insurance

External Water Supply Pipe

Leakage or blockage of the mains water supply between the stopcock in the insured property and the point where it is connected to the public or shared water supply.

Plumbing

Failure of, or damage to, the internal plumbing system, including the toilet(s), which causes internal water leakage, flooding, or water damage.

Internal and External Drainage

Failure of, or damage to, the internal or external drainage system of the insured property. For example, blocked toilets, leaking tanks/cylinders, total blockage of all sinks, and blocked/collapsed external drains.

Electrical Emergency

Insurance is also provided following the breakdown or failure of the permanent domestic electrical wiring system and its components supplying electrical power to the insured property.

Emergency Boiler

Mechanical or electrical failure or malfunction of the domestic central heating system which results in the system becoming completely unusable.

If the boiler is less than 7 years old, a contribution, up to the claim limit shown on the Policy Schedule or £250 whichever is less, towards a new boiler if the existing boiler is deemed beyond economic repair.

If spare parts are needed and the engineer cannot reinstate heating within 60 hours, a contribution of £40 towards alternative heating costs. Alternative heaters must be paid for first and claimed back as a reimbursement.

Domestic Central Heating System Cover

Mechanical or electrical failure or malfunction of the domestic central heating system which results in the system becoming completely unusable.

If spare parts are needed and the engineer cannot reinstate heating within 60 hours, a contribution of £40 towards alternative heating costs. Alternative heaters must be paid for first and claimed back as a reimbursement.

Security

Insurance to make the property secure following a security incident. For example, following a break-in, broken glazing can be boarded up and broken locks for windows and doors can be repaired or replaced.

Roofing

Insurance to protect the roof from further damage in the event of damage due to bad weather.

Lost Keys

Insurance to enable access to the property if keys are lost or stolen. For example, replacing locks and keys.

Pest Infestation

Removal or extermination of an infestation of black or brown rats, field or house mice, and wasps’ or hornets’ nests.

Emergency Accommodation

Alternative accommodation contribution of up to £250 if the property becomes uninhabitable for more than 48 hours because of an emergency covered under the policy.