Broken heating, leaking roofs and blocked drains are not only hassle to repair, but they can cause disruption and discomfort to your tenants and cause damage to your property. You can choose to add this cover to your Simple Landlords Insurance policy.
With home emergency cover, you can fix the emergency - fast.
Landlord Home emergency quotes
With Simple Landlords you can choose three different levels of Home emergency cover, to suit your properties, tenants, and different levels of risk.
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What does Home emergency cover?
Our three Home emergency cover packages are
- Boiler breakdown
- Home emergency
- Home emergency PLUS
What does Boiler breakdown cover include?
- Emergency repairs to your property’s primary heating system
- Access to a nationwide network of reputable tradesman, so you can get someone in quickly to complete an emergency repair and prevent damage to your rental property
- Up to £500 (inc VAT) for emergency repairs from a single incident - including call out charges, parts and 2 hours labour
- Up to £1,000 (inc VAT) in emergency repairs to your property over your 12 month cover period
- A £500 contribution towards replacing the boiler if emergency repairs are going to cost more than a new boiler would.
What does Home emergency cover include?
- Emergency repairs to the primary heating system, drainage and water services, securing broken windows and doors - and dealing with pest infestations
- Access to a 24 hour helpline and a network of reputable tradesmen
- Up to £500 (inc VAT) for emergency repairs from a single incident - including call out charges, parts and/or material and up to 2 hours of labour
- Up to £1,000 total emergency repairs to your property over your 12 month cover period.
What does Home emergency PLUS cover include?
- Everything in our standard home emergency package, but now you also get:
- Up to £1,500 (inc VAT) in total emergency repairs to your property over your 12 month cover period
- A £500 contribution to replace the boiler if emergency repairs are going to cost more than a new boiler would.
What we need from you
- Make sure your boiler is less than 15 years old if you have Boiler Breakdown or Emergency Plus policies
- If you take out standard Home Emergency cover, we need your boiler to be less than 10 years old
- Get your boiler serviced every year – and make sure you keep the certificate. If it’s not maintained, you won’t be able to claim
- Give us a ring on our claims line as soon as you’ve been notified of the emergency - that way you’re on the system and we can process your claim quickly and easily
- Ask yourself is it an emergency! This product doesn’t cover routine issues, wear and tear, or everyday hiccups. So if the sealant has gone around your bath, it’s not an emergency...
Things we won’t cover
- We can’t cover really old boilers - sorry.
- We can’t cover things that happened before you took out home emergency cover, or anything that happens within 48 hours of your taking out your policy
- We won’t cover claims which arise due to neglect or lack of maintenance. So if you’ve not looked after your boiler properly and had it serviced every year, this bit of your policy could be invalid
- We can only cover the cost of fixing your emergency - not fixing any other damage that occurs. (So that means we’ll stop your leak under your home emergency policy, but not fix the water damage around it – that would come under your buildings insurance instead)
- Home emergency cover means you’ll get a quick, temporary fix until a permanent solution can be sorted (unless the permanent solution would cost the same or less)
- This policy won’t cover you for events which aren’t emergencies - so if it’s not going to cause damage to your property or significant discomfort to your tenants, it’s not an ‘emergency’. (For instance getting a plumber to fix your heating during the height of summer might not be classed as a home emergency, and wouldn’t be covered under this policy. And if your toilet breaks, but you’ve got 3 toilets in the property, that’s also not an emergency).
For more information please take a look at the full policy documents - which show exactly what you’ll be covered for.
What is home emergency insurance?
Home emergency insurance, depending on the package you choose, is designed to protect you (and your tenants) in the event of a home emergency.
What is considered a home emergency?
A home emergency is something that requires emergency repairs. These repairs may be to the primary heating system, drains, broken windows and doors – or to fix pest infestations.
What ISN’T considered an emergency?
Peeling wallpaper, funny smells, a broken flush or a dripping tap – trust us, we’ve heard them all! It has to be a proper emergency where your property is at risk of damage, or your tenants are at risk of major discomfort. Make sure you check the inclusions and exclusions in your policy documents.
Do I need home emergency insurance?
Home emergency insurance is not a legal requirement. However, many landlords choose to take it out because they want the extra peace of mind to know that if something goes wrong, it’s going to get fixed fast.
It’s particularly useful for landlords who don’t do property investment full time, don’t live nearby their rental property, or don’t have networks of handymen and service professionals on call.
How much does home emergency insurance cost?
Simple Landlord’s most basic package is for Boiler breakdown, and that costs £39.99 for a year - less than £3.50 a month.
The next level up is standard home emergency insurance, which costs £49.99 a year, which works out at just over £4 a month.
Our Home Emergency PLUS policy costs £69.99 a year, which works out at around £6 a month.
Does your home emergency policy include boiler breakdown cover?
Yes, Simple Landlord’s home emergency policy does cover emergency boiler repairs. However, it’s important to note that if your boiler is too old, it won’t be covered!
Under our standard policy, your boiler must be less than 10 years old to be covered. If you take out our Home Emergency PLUS policy, or a basic Boilder breakdown policy, it will be covered if it is less than 15 years old.
For both standard and Home Emergency PLUS policies, it is important that you have your boiler serviced each year and keep the certificate as proof, in case you need to make a claim.
What is the maximum amount you can pay out for emergency repairs?
Standard policy: If you take out our standard policy, we can cover up to £500 (including VAT) per incident. This includes call out charges, part, materials and up to two hours of labour. We can pay up to £1,000 in total emergency repairs over your 12-month cover period.
Home Emergency PLUS: If you take out Home Emergency PLUS, we can cover up to £1,500 in total emergency repairs over your 12-month cover period (£500 more than with our standard policy) and £500 towards a replacement boiler, if emergency repairs are going to cost more than a new boiler.