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We offer the Home 3 Assistance Landlords Emergency Property Assistance & Repairs insurance as an add on to our Landlords Buildings & or Contents Insurance. The Home 3 policy provides immediate assistance in the event of a domestic emergency.

Please note that this is not a property maintenance contract. You are responsible for the costs associated for the permanent repair.

This policy is only available for residential let properties in England, Scotland, Wales & Northern Ireland where a valid landlords buildings insurance policy is also in force. Please note that a 14 day exclusion period applies unless you have held similar cover with an alternative provider up to the inception of your new Home 3 policy.

*Please note that this policy is non-refundable upon mid-term cancellation*

 

This Landlords Emergency Property Assistance & Repairs policy provides cover for the following:

  • Plumbing and drainage problemsThe sudden failure of, or damage to, the plumbing and drainage system. This includes leaking pipes, blocked drains, water tanks and blockages in toilet waste pipes (if only one toilet in the property) and leaking radiators.
  • Breakage or failure of any sole toilet unitBreakage to or mechanical failure of the toilet bowl or cistern (excluding Saniflow systems) resulting in loss of function providing there is no other toilet in the home.
  • Gas and Electrical SupplyThe sudden and complete failure or breakdown of the electrical or gas supply within your rental property (excludes lack of supply due to unpaid bills).
  • Breakdown of mains heating or failure of hot waterFor complete failure or breakdown of either the heating and / or hot water supply provided by your primary heating system (for boilers less than 15 years old and which are serviced at least once every 12 months by a Gas Safety Executive registered engineer).
  • Security and GlazingDamage caused to external locks, doors and windows which render your property insecure.
  • Roofing ProblemsThe sudden damage to the main roof of your rental property caused by storm, fallen trees or branches.
  • Pest / Vermin infestationsProfessional extermination and control of pests / vermin in your rental property including cellars and adjoining outbuildings (Pests / vermin is defined as brown or black rats, house or field mice, and wasps’ or hornets’ nests).
  • Alternative Accommodation CostsYour tenant’s overnight accommodation costs including transport to such accommodation up to a maximum of £100 following a Home Emergency which renders the home uninhabitable.

Cover for temporary emergency repairs is provided 24 hours a day, 365 days of the year and pays for:

  • Call-out charges
  • Labour
  • Parts and materials
  • Maximum payable per claim is £500 (inc. VAT)
  • Additional £100 cover per claim for alternative overnight accommodation
  • Unlimited claims per insurance period
  • Approved Contractor appointed immediately and involved in the initial claim call