Landlord Home Emergency Cover

Landlord home emergency cover is a safety net and solution for getting an emergency at your rented property sorted swiftly by a qualified contractor and specialist.

It’s reassuring for you and your tenants that the result of broken toilets, a break-in, or a boiler issue will be repaired quickly.

Read more about your landlord obligations.

Your tenant appreciates that you resolved the issue as quickly as possible, while the problem was easy to manage for you.

Find out more about deciding between boiler cover and landlord home emergency cover.

Home emergency insurance from Protect My Let covers a vast range of situations, including plumbing and drainage problems, electrical failures, and heating malfunctions, with features like 24/7 call-out service and no excess on claims

It’s much simpler to confirm what is covered – which is the contractor’s call out charge, labour costs, repair materials, replacement parts where we at PML have agreed it’s necessary, and up to the sum shown in your policy wording.

Unless you have further insurance that covers it, if your tenant(s) need to temporarily move out, they’ll have to pay the alternative accommodation costs and send the receipt to you. You can then forward to us to be reimbursed.

No. This won’t affect or go against your main policy.

Call the emergency number provided and a handler will arrange for the right person to come out to assist as soon as possible.

No, you are not limited to the number of callouts you can have.

Yes. That is £500 per claim, but it’s still unlimited claims throughout the year.

No. Landlord home emergency cover is only available as an add-on product to your landlord or multiple property landlord insurance policy. So, you’ll need to look out for landlord insurance with home emergency cover included or available as an optional extra.

You’re covered for emergencies affecting your property in Great Britain and Northern Ireland.

• You’re required to contact the 24/7 residential landlord’s emergency helpline as soon as you can after the emergency arises
• Someone must be at the property to let the contractor in
• If your property is powered by a biomass boiler or anaerobic digester system, you’re required, with our agreement, to choose and pay for your own contractor

You must send us the receipt for the insurer to reimburse you

Even the best landlord home emergency covers in the UK have limitations. The items and events that we can clearly say aren’t covered include:

• Events that do not result in the property becoming damaged, unsafe, or unsecure to stay in
• Contractors’ 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
• Warm air, LP, and solar repairs
• Leaking appliances