Landlords' Emergency Cover
InsuraHome's Landlords' Emergency Cover will arrange and pay up to £1,000 for a contractor to: prevent damage or further damage to your home, make your home secure or relieve unreasonable discomfort, risk to health or difficulty
So long as your Emergency falls under the policies insured events, the Landlords' Emergency cover will either sort a temporary repair (or permanent one if this is no more expensive); or take other action such as isolating the leaking component or gaining access to your home - whatever is the best way of providing help!
For example, if your roof happens to be damaged during a storm then your Landlords' Emergency cover may pay for a contractor to make temporary repairs to your roof to prevent any further water damage.
Equally, if one of your drainage pipes is flooding your home, Landlords' Emergency Cover would cover the cost up to the policy limit of a plumber to repair the leak until a more permanent solution can be put in place.
Be sure to check the Policy Wording for full details on cover limits and exclusions.
The Landlords' Emergency Cover add-on is available on the following policies...
What is Covered on InsuraHome's Landlords' Emergency Insurance?
Below is a brief explanation of what is covered on InsuraHome's Landlords' Emergency Insurance Policy Add On. However, you should always refer to the InsuraHome's Home Insurance Policy wording for full cover limits, terms, conditions and exclusions.
| What is Covered? | What is not Covered? |
|
Main Heating System |
Events that do not result in the property becoming damaged, unsafe or unsecure to stay in. |
|
Plumbing and Drainage |
Contractor’s costs that you incur without our consent. |
|
Property Security |
The costs of reinstatement or redecorating the property where damage has been caused. |
|
Toilet Unit |
Wear and tear, day-to-day maintenance and making permanent repairs once the emergency has been dealt with. |
|
Domestic Power Supply |
Heating breakdown if the boiler is more than 15 years old. |
|
Lost Keys |
Warm air, LPG and solar heating. |
|
Vermin Infestation |
Leaking appliances. |
|
Alternative Accommodation Costs |
|
The table above is only a summary of cover. You should always refer to the policy wording for full terms, conditions and exclusions.
Main Heating System – The total failure or complete breakdown, whether or not caused by accidental damage, of the main heating system (including a central heating boiler, all radiators, hot water pipes and water storage tanks) in the property.
Plumbing and Drainage - The sudden damage to, or blockage or breakage or flooding of, the drains or plumbing system including water storage tanks, taps and pipework located within the property, which results in a property emergency.
Property Security – Damage to (whether or not accidental) or the failure of external doors, windows or locks; which compromises the security of the property.
Toilet Unit – Breakage or mechanical failure of the toilet bowl or cistern resulting in the loss of
function provided that there is no other toilet in the property.
Domestic Power Supply – The failure, whether or not caused accidentally, of the property’s domestic electricity or gas supply.
Lost Keys - The loss or theft of the only available keys, if you cannot replace them to gain access to the
property.
Vermin Infestation - Vermin causing damage inside the property or a health risk to your tenant(s).
Alternative Accommodation Costs - Your tenant(s) overnight accommodation costs including transport to such accommodation following a property emergency which renders the property unsafe, unsecure or uncomfortable to stay in overnight.
How do I get an InsuraHome Home Insurance with Landlords' Emergency Cover Quote?
It's quick and easy, you don't even need to specify this on your application form. Just remember to ask for this when one of our specialists contacts you with your quote.
