There are a number of different types of landlord emergency cover. The different types of cover can be divided into several categories, including protection against damage caused by fire, explosions, lightning, and storms. It is important to check whether the type of cover you are considering meets your specific needs. In addition to emergency cover for landlords, some companies also provide tenants with emergency cover.

Protection against damage caused by fire

If you own a rental property, you may be looking for protection against damage caused by fire. Fire can severely damage your property and may even result in its total loss. It can also cause complicated insurance issues. A landlord emergency cover may be the answer. A landlord emergency cover can provide the financial support necessary to repair damaged property and re-let it to another tenant.

Fire damage is one of the most expensive losses suffered by property owners. In the United States, about 1 million fires were reported in 2015. Local fire departments responded to about one fire call every twenty-four seconds. The estimated cost of fire-related damage in 2015 was $10.3 billion. In the same year, 2605 people died in residential fires.

Landlord emergency cover policies can include coverage for damage caused by fire and severe weather. These policies cover property damage, rent loss, and liability. Some policies also provide coverage for appliances provided to tenants.


When lightning strikes your property, you may not be prepared to pay the costs of repairs. If you are a landlord, you should get lightning emergency cover. This insurance will cover the costs of any repairs you make, minus any deductible. It will also cover any damages done to your personal property.

Lightning damage is often very expensive, as it can cause fires, smoke, and even bodily injury. In addition to physical damage, lightning can also cause a large amount of damage, which can be harder to prove and collect a payout for. When you have a lightning emergency cover, you will not have to worry about paying out thousands of pounds for repairs.


Storm emergency cover for landlords can help you cope with unexpected weather events. It can cover the cost of a hotel stay up to PS300, inclusive of VAT, and helps minimise the impact on tenants. It also provides a 24-hour claims line and certified contractor who will arrive at your property within four hours. In addition, you can include your tenants as interested parties on the policy.

The emergency cover for landlords can be purchased as an add-on to a standard landlord home insurance policy. This type of cover helps to cover the costs of emergency callouts and repairs. It is a useful addition for landlords who have rental properties, as it can save them from racking up hefty repair bills.

Regardless of whether you are renting or owning commercial property, landlords should always ensure that they have storm insurance. It is essential to mitigate damage caused by flooding and allowing water to access the property. Storms can also cause damage to roofs and parapet walls. They can also overflow and cause water damage to the inside of a building, which can be costly to repair.


Explosions are extremely destructive and can lead to the loss of lives and property. Moreover, they can cause significant disruption to neighbouring properties. Such incidents can happen due to a gas leak or a spark from an appliance such as a light switch, plug, or gas oven. To protect yourself from the risks associated with these incidents, it’s crucial to have adequate landlords insurance.

Explosion insurance is a supplementary extension of a standard fire insurance policy. A fire insurance policy covers damages resulting from fire and lightning, but this additional cover protects against uncommon risks, such as explosion. While it won’t cover damage caused by explosions themselves, it can cover other types of damage, such as those caused by riots, airplane crashes, and vehicle damage. It can also cover civil disobedience or other natural forms of damage.


Infestations landlord emergency cover is a useful option for landlords who want to protect their properties from damage caused by pests. It covers damage to your home’s locks, windows, doors, plumbing, drainage systems, and water supply. If you have a pest infestation, you can request a professional pest control team to inspect the property, or a plumber to repair any damaged pipes. However, if your landlord refuses to fix the problem, you may have to take extra steps to get the work done.

Infestations are not a pleasant experience. They’ve become more common over the past few years due to the rising population of rodents and flies. Also, increased drought and flooding have caused pests to seek shelter in homes and properties. Infestations can happen to any property, and they can have an impact on both landlords and tenants.

Infestations landlord emergency cover can save you time and money. It will also protect you from losing your property due to a negligent tenant. Best of all, the right landlord home emergency cover will cover any repairs that may be needed in your property. The best policies cover central heating, boiler, electricity, plumbing, roof, and drainage. In addition, there are no limits on how much you can claim for. A quality plan will also include an approved engineer.

Call out charges

If you are a landlord and have tenants renting your property, you should consider landlord emergency cover. This type of insurance will cover you against call out charges for parts, labour, and materials. It can also provide alternative accommodation for your tenants in the event of an emergency. Depending on the policy and provider, call out charges for landlord emergency cover can vary.

Many landlord emergency cover policies will cover a number of different issues, including plumbing, central heating, and boilers. The best landlord home emergency cover will also cover pest infestations. Furthermore, the best landlord emergency cover will not place a limit on claims, allowing you to get the help you need, quickly. In addition, the best landlord emergency cover will send an approved engineer to fix any problems at your property.

Landlord emergency cover will help keep your rental property habitable and safe during a crisis. It can also provide you with help to repair problems that are preventing your tenants from living in the property. However, this type of cover does not cover routine repairs or redecorating. Most landlord emergency cover policies include Insurance Premium Tax, but you may have to pay extra if you wish to take out the cover for longer than twelve months.