Landlord Emergency Cover - What Is Covered?
As a landlord there are a remarkable number of unforeseen expenses which
can creep up on you and unfortunately managing these expenses requires
effort and planning. You can make your life easier however by obtaining
effective specialist insurance, designed with the requirements of
landlords in mind and by also obtaining landlord emergency cover.
The former provides overall protection for you property and also your
contents, the latter however offers access to a dedicated emergency
service, to help you respond quickly to disasters and minimise the
disruption for your tenants. But what is covered?
Typically a landlord emergency cover policy will provide you with a
response line which you can phone 24 hours a day, any day of the year.
This response line will send out trades' people to the property to fix
the problem or find a temporary solution. Your premium will normally pay
for the call out charges, labour and parts, all to a predefined value. In
most instances an excess will not be charged for making the claim and
some policies may even provide alternative accommodation for tenants to a
The types of circumstances you can call out for depend upon whether they
have had such an effect on the property that it is no longer safe or
secure for tenants. You will also be able to claim if the incident has
resulted in a loss of essential services, which include water and
drainage, electric and gas as well as heating. If an event has occurred
which makes a property inhabitable, an emergency call-out may make it
habitable quickly, reducing your expenditure or the need to make a claim
on your main landlord insurance policy.
The types of emergencies covered could include:
• A breakdown of the main heating system is one of the more frequently
covered items within landlord emergency cover as it is deemed an
essential service for tenants.
• Repairs from break-ins, such as refitting windows or door locks.
• Plumbing and drainage problems, particularly if the property becomes
separated from the main sewer or water main.
• If the domestic power supply is interrupted (beyond that of a general
power cut) emergency cover can be provided.
• Repairing the sole toilet in the property, once gain this is an
essential service which must be provided to the tenants.
• If a property becomes infested by vermin, call-outs to an exterminator
are typically covered.
• Emergency landlord cover can often be used to call out locksmiths for
lost keys or broken door locks.
The instances above are not exhaustive and do not highlight some of the
more specific options that are covered with landlord emergency cover. It
does however hope to point out that with effective cover it is possible
to protect yourself against a wide range of issues and unforeseen