What does landlord boiler insurance cover?

Did you know?

Problems with a boiler can leave your tenants living in an unacceptably cold property and without hot water.

You will normally be covered for gas boiler and boiler pump repairs, repairs to the property's heating system and any related electrical or plumbing issues.

It is a great way to ensure you are not left out of pocket if emergency boiler repairs are needed to your rental property.

Many boiler cover policies also provide an annual Gas Safety Inspection and yearly boiler service. You are legally obliged to get a Gas Safety Certificate each year, so this is a useful benefit to have on your policy. See the gas safe register website for more information.

Landlord boiler insurance is not usually offered as a standalone product, but as an optional add-on to your landlord home insurance policy.

Why do you need boiler cover?

There are two main reasons you would want to get landlord insurance for boilers:

  1. 1.

    It ensures that the cost of boiler repairs is met meaning you do not have to fund all the work yourself.

  2. 2.

    It helps remove the hassle of having to find a gas or boiler engineer at short notice to fix the problem.

If you want to include this cover on your insurance policy, consider the following first:

  • Some policies have a limit on the number of boiler claims you can make in any year

  • Some have maximum limits on the amount that you can claim for boiler or heating repairs

  • Check the excess amount charged for each claim as this may differ between insurers

Finding cheap landlord boiler cover

If you are looking for the best landlord boiler insurance compare cover options carefully before making a decision.

If you are buying boiler insurance alongside a standard landlord insurance policy make sure you check the other policy features too. You should choose a policy that satisfies all of your needs, not just boiler cover.

Read our guide on finding the best boiler cover for landlords, and use our comparison table to find cover.

You can also see what boiler insurance policies can offer by browsing our boiler insurance table. Make sure they offer landlord cover before you apply.