Someone wearing rubber gloves tends to a water leak.

Landlord emergency

We'll take care of your property emergencies

Cover up to £1,500 per call out, unlimited claims and no excess to pay.

Optional add-on. Can be added at New Business or Renewal for an additional premium. Residential properties only. Only insured emergencies covered.

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  • Got an emergency at your rented property? Use our online portal to register your emergency or call our 24-hour claims line.
  • A certified contractor to your property within four hours. From the point of an insured emergency being registered. Extreme weather conditions and remote locations may extend response time.
  • No excess applies.
  • We'll cover up to £1,500 (inc. VAT) per claim.
  • There's no limit on the number of claims you can make.
  • Tenants can claim on your behalf.
  • If the property becomes uninhabitable, we'll pay for hotel accommodation up to £300 (inc. VAT).

What is landlord emergency cover?

No landlord wants their tenants to feel unsafe or uncomfortable. If something goes wrong at your rented property and it becomes uninhabitable, you'll need to act fast to minimise the impact on your tenants.

Landlord emergency cover helps to offer peace of mind to landlords and tenants across the UK. Once an insured emergency has been registered using our online claims portal or by calling our 24-hour claims line, a certified contractor will be at the property within four hours.

Once on site the contractor will secure or prevent further damage to the property, whichever is most appropriate depending on the nature of the emergency. Extreme weather and remote locations may extend response time. We'll also cover the costs, up to £1500 (inc. VAT) per claim.

We'll cover the call-out charge, labour costs and materials required to prevent damage, or further damage, to the property.

What emergencies are covered with landlord emergency cover?

  • Damage to the roof, which will likely cause internal damage.
  • Damage to - or blockage, breakage or leaking of - the drains or plumbing system.
  • Failure of the main heating system.
  • Failure of the domestic electricity or gas supply.
  • Damage to, or mechanical failure of, a toilet.
  • The failure of, or damage to, key-operated lockable internal or external doors.
  • The loss of, or damage to, the only available set of keys.
  • Damage to windows, which leaves the property insecure.
  • Infestation by vermin.

Contractors we provide within a four-hour response time:

  • Plumber
  • Electricians
  • Glaziers
  • Locksmiths
  • Drainage Engineer

Contractors we provide who aren't included in our four-hour response time:

  • Gas engineer
  • Pest control services
  • Roofers

Benefits of landlord emergency cover

  • We'll cover up to £1,500 (inc. VAT) per claim. In most cases £1,500 should be enough to complete the work required to prevent further damage to the property. Any additional costs above this limit will be the responsibility of the policyholder.
  • No excess applies to covered emergencies. This means that you won't need to worry about paying the contractor when they arrive, and you won't have to cover expensive overnight call out charges.
  • No limit on how often you can claim. Emergencies are like buses - months can go by without anything bad happening and then several things can go wrong at once. That's why there's no limit against the number of claims you can make across the year, should an insured emergency occur.
  • Tenants can claim on your behalf. No one wants to have to deal with an emergency while they're on holiday or away with work. That's why we've given tenants and other authorised persons automatic authorisation to claim on your behalf. This takes the pressure off you as they can deal with the insured emergency when it happens.
  • Hotel accommodation for tenants If the insured emergency makes the property temporarily uninhabitable, we'll pay for hotel accommodation up to £300 (inc. VAT).

How to get landlord emergency cover?

Landlord emergency is an optional cover that can be added to residential landlord insurance when taking out new cover or at the point of renewal. You can't buy landlord emergency as a stand-alone policy and it can't be added mid-term.

Guarantee to Beat is not available to customers buying landlord emergency.

Find out more about our landlord buildings insurance.

Important information about landlord emergency cover

To be eligible for Landlord Emergency

Your property must be in the UK and a residential let under a tenancy agreement of six months or more. The residential property or flat must have no more than 12 bedrooms.

What Landlord Emergency does not cover

Landlord Emergency only applies to residential properties. As such, we won't cover insured emergencies relating to any commercial property, any commercial portion of a mixed-use premises, or any property let as a holiday home or short term let (less than six months).

The policy wording has the full terms and conditions, but the following key circumstances aren't covered:

  • Incidents occurring in a property that has been unoccupied for 60 days or more
  • Incidents relating to mains electricity, gas, and water supply
  • Incidents relating to shared roofs or communal areas or property not owned by you
  • Costs for normal day-to-day property maintenance
  • Costs incurred prior to the claim being accepted
  • Cover for events that started before the date of your policy
  • Damage caused by gaining access to carry out repairs

What to do in an emergency

If you believe the incident could result in serious personal risk or substantial damage to the insured property, contact the fire, ambulance or police service.

If there is a gas leak, you should contact the National Gas Emergency Service on 0800 111 999.

Contact your supplier if there is an emergency relating to a service such as the mains water or electricity supply.

Once you, your tenant or other authorised person has checked that the emergency is an insured incident, it's important that you contact our landlord emergency cover provider DAS via the online claims portal or by calling 0800 197 1016, as soon as possible. They'll ask the claimant to confirm:

  • The name of the policyholder and the address of the insured property, including the postcode
  • The nature of the problem

Whoever is calling will be advised not to arrange for a contractor themselves because this won't be covered by the policy. DAS will also advise the claimant not to start any work that hasn't been agreed to in advance.

Someone aged 18 or over must be at the property when our approved contractor arrives.

Once the claim is accepted, DAS will arrange, and pay for, a contractor to attend the property with the aim of resolving the insured emergency. The contractor will either:

  • carry out a temporary repair (or a permanent repair if this is no more expensive) or
  • take other action, such as isolating a leaking component or gaining access to the property if the keys are lost

Once the claim is accepted, we'll always try to get to the property as soon as possible, however it may take longer during bad weather conditions and it may not always be possible when the weather might put the contractor in danger while undertaking their repairs. For instance, high winds may restrict a roofer carrying out repairs, and damp electrics may pose a risk to an electrician.

Where necessary, we'll attempt to provide replacements parts but cannot be held responsible if these are delayed or unavailable.

Claims relating to Landlord Emergency are administered and managed by DAS on our behalf.

If you add a residential property to your policy mid-term (not at the point of taking out or renewing your policy), it won't be covered for an insured incident occurring in the first seven days of the property being added.

The property will be covered for an insured emergency occurring after the first seven days of the property being added, subject to the standard policy terms, conditions and exclusions.

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