Landlord Home Emergency Cover

Domestic emergencies at your rental property can be inconvenient and sometimes difficult to resolve. It is not just boilers that go wrong, plumbing, drains and lost keys can cause inconvenience for landlords.

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Landlord Home Emergency Cover

There’s no telling what the future holds, which is why it is absolutely essential that you plan in advance – by investing in effective landlord emergency cover. From maintaining a single property to managing an entire portfolio of homes, Hamilton Fraser can work with you to ensure that your property – and your reputation – remains intact.

Domestic emergencies not only affect your premises, but the safety of your tenants. Time-consuming and costly, from fixing a boiler to resolving a security issue, Hamilton Fraser can offer affordable landlord home emergency cover to supply you with assistance when you need it.

Accidents can occur any time of the day in any part of the home, which is why we’ve made sure that our experts are on call to offer you 24 hour protection, 365 days a year.

We understand that the quicker we can come to your aid, the sooner professional help can repair any damage – home life can return to normal both for you and your tenants as soon as possible.

As one of the UK’s leading specialists in landlord insurance, we aim to give you peace of mind that your property is in the safest hands possible. Don’t jeopardise your livelihood – invest in landlord emergency cover, safe in the knowledge that our UK-based team can advise accordingly to deliver the best possible solutions for your circumstances.

Spend a little to save a lot, and prevent costs from spiralling out of control by preparing for the worst with our exclusive landlord home emergency cover today.

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Get a quote for landlord home emergency cover today

  • All-year emergency cover protection for your property
  • Breakdown of main heating system
  • Plumbing and drainage problems
  • Home security, including locks and windows
  • Breakage or failure of your sole toilet unit
  • Loss of domestic power supply
  • Lost keys
  • Vermin infestation
  • Normally same day attendance by an approved contractor
  • No limit on the number of claims
  • No policy excesses
  • Repairs guaranteed for 12 months

Get a quote

Get a quote for landlord home emergency cover today

Policy documents

View and download your policy documents here

Policy Summary

Policy Wording

  • FAQs

    Please see below some of our frequently asked questions

    • Can I use my own contractor if I have a Hamilton Fraser Landlord Emergency Cover policy?

      No, if an emergency occurs at the rental property you must contact the emergency helpline and they will appoint an approved contractor. If you appoint your own contractors the policy will not cover any costs incurred and you may invalidate your policy.

    • I have several flats in a block, would I need a Hamilton Fraser Landlord Emergency policy for each flat?

      Yes, as each flat is a private dwelling.

    • What will I have to pay for if I have a Hamilton Fraser Landlord Emergency Cover Policy?

      Any costs or expenses incurred before we accept the claim, any insured event that occurs within the first 48 hours of taking out this policy, costs and expenses where there is no one at your property when the contractor arrives and any matter occurring prior to or existing at start of the policy and which you knew or ought reasonably to have known could give rise to a claim.

    • Is my boiler covered with a Hamilton Fraser Landlord Emergency Cover policy?

      Your boiler will be covered provided it is no more than 15 years old and has been annually serviced. Further details can be found in your policy wording.

    • Are houses in multiple occupation covered with a Total Landlord Emergency policy?


    • How is a Hamilton Fraser Landlord Emergency defined?

      A sudden unexpected event which in the insurers opinion requires immediate remedial action in order to:

      Prevent damage or avoid further damage to your property and/or

      Render your property safe or secure and/or

      Restore the main services to your property, and/or

      Alleviate any health risk to anyone living at your property.

    • With a Hamilton Fraser Landlord Emergency policy what do you class as vermin?

      Brown or black rats, house or field mice, and wasps’ or hornets’ nests.

    • What is the policy excess for Hamilton Fraser Landlord Emergency Cover?

      There is no policy excess.

    • How many claims can I make under a Hamilton Fraser Landlord Emergency Cover policy in a year?

      There is no maximum number of claims that you can make annually.

    • Can I arrange emergency cover for my own home?

      Yes you can – if you are taking out household building/contents cover for that property at the same time.

    • Will the contractor tell me up front how much it would cost if an emergency will take over 2 hours to fix or the costs will be more than £100?

      If the repairs take over 2 hours and/or the parts come to more than £100 you or your tenant would be responsible for paying the contractor. You can request a quote before any work is started. Such work may also be covered under your Landlords/Home insurance, so do contact them to find out.

    • If I decide after the first 2 hours I want to get my own contractor am I allowed to do this with a Hamilton Fraser Landlord Emergency policy?

      Yes, but we will not guarantee the works and any further damage or incident would not be covered.

    • How long is the work guaranteed for with a Hamilton Fraser Landlord Emergency Cover policy?

      All the work carried by our approved contractors is guaranteed for 12 months.

    • How do you select your contractors to ensure they are fully qualified and their costs are competitive with a Hamilton Fraser Landlord Emergency Cover policy?

      All our contractors are qualified and vetted by our claims team. As we are liable for the first 2 hours of work we ensure that all our contractors are competitive in the market place.

    • If the tenant calls the Hamilton Fraser Landlord Emergency helpline to report a claim, am I informed of the claim at any point?

      You may need to have a discussion with your tenants when you inform them about how to claim and request that you are kept informed about any incidents at the property.

    • Is there a guaranteed call out response time with Hamilton Fraser Landlord Emergency Cover?

      A contractor should arrive at the property within 2 hours. However, we cannot guarantee a response time due to various factors such as adverse weather conditions, remote locations etc.