Emergency Cover for Private Landlords With a Single Rental Property
You Handle Enough Already — Let One Helpline Handle the Emergencies
Renting out your only property — whether by choice or because life changed your plans — still means you're the one your tenant calls when something breaks. This cover gets a qualified engineer out fast, day or night.
- One helpline your tenant can call directly
- No callout excess on covered emergency claims
- Renews once a year, alongside your other landlord cover
Private LandlordWhat Is Private Landlord Emergency Cover?
This is emergency home repair cover for a rented property, built around a fast, 24/7 helpline. Standard home insurance is not designed for a tenanted property and doesn't cover the urgent callout when a boiler fails or a pipe bursts — this cover fills exactly that gap.
It isn't a replacement for buildings insurance, and most mortgage lenders will still require that separately. What it gives you is a single number to call — for you or your tenant — when something needs fixing right away.
Renting Out Your Only Property?
You Don't Need to Be On-Site
Many private landlords still work full-time elsewhere or don't live near the property. Your tenant can call the claims line directly and get an engineer dispatched without you having to source one yourself.
One Emergency Shouldn't Become a Crisis
Whether you planned to become a landlord or ended up renting out a property you once lived in, an unresolved emergency puts the same pressure on you — and on your tenant.
What's Included in Your Emergency Cover
Plumbing & drainageburst pipes, leaks, blocked drains
Boiler & heatingno heat, no hot water, breakdowns
Electrical emergencytotal loss of power, exposed wiring
Pest controlinfestations that make the property unsafe
Alternative accommodationwhere the policy provides it, if uninhabitable
Gold Plan
£1,000 per claim, up to 3 claims per period of insurance. Suited to landlords who want a higher payout per incident.
Platinum Plan
£500 per claim, up to 6 claims per period of insurance. Better suited if you expect several smaller repairs across the year.
Your Legal Duties as a Private Landlord
Under Section 11 of the Landlord and Tenant Act 1985, you have a statutory duty to keep the structure, heating, hot water, and sanitation of the property in working order — regardless of whether you're a full-time investor or renting out your only property. Emergency cover doesn't replace this duty; it gives you a fast, practical route to meet it.
- Keep heating and hot water systems in working order
- Maintain the structure and exterior of the property
- Keep sanitation (toilets, sinks, drainage) in working order
- Respond to reported repair issues within a reasonable time
Frequently Asked Questions
No. Buildings insurance and emergency cover are separate policies covering different things. Emergency cover handles the urgent callout and immediate repair; buildings insurance covers larger structural damage and rebuild costs. Most mortgage lenders require buildings insurance separately — this cover complements it.
Yes. Cover is arranged per property, so whether you own one rental property or several, the same Gold or Platinum plan applies to it.
Yes, your tenant can call the claims line directly to report an emergency, so you don't need to be reachable at all times for something to get fixed.
Gold gives a higher per-claim limit (£1,000) with fewer claims allowed (3 per period). Platinum gives a lower per-claim limit (£500) but more claims allowed (6 per period) — better if you expect several smaller repairs rather than one large one.
Yes — cover is attached to the property itself, not to a specific tenancy, so it remains active during void periods between tenants, subject to the policy terms.
Get Cover in Place Before Something Breaks
Whether it's your only rental or one of several, Gold and Platinum plans give you one helpline for every emergency.