Landlord Emergency Cover

Landlord Emergency Cover

Many people who rent out properties to tenants feel the need to augment their buildings and contents insurance with a landlord emergency cover policy. This is because even though you will be covered for a lot of damaging occurrences with standard policies, some occurrences cannot really be planned for.

Many insurance companies are beginning to include emergency cover for landlords as part of their landlord insurance policies, but it is always important to read the small print to make sure you do not accidently come out under-insured.

 Examples of the type of event that might be covered by landlord emergency cover are:

• The boiler exploding
• The ceiling caving in
• Problems with electrical systems
• Infestation

See below for specialist landlord insurance quote providers:

A landlord who does not have emergency cover could be looking at paying a substantial cost for damages and repairs. If you have taken out an emergency cover policy however, you will be shielded form having to pay the full cost, and many companies will also cover you from rent payments that are missed because of the emergency.

Most landlord insurance providers will give you access to a 24 hour emergency helpline, and in many cases the tenant can call up themselves and you will not have involved right away. Rent guarantee insurance and legal expenses, which will pay the cost of you being taken to court by a tenant, are not always included in these policies, so you should take the time to scrutinise a number of different landlord insurance quotes and any additional extra emergency cover that is available.