Landlord’s Heating, Plumbing and Electrics

I need this for a:
close

Prepare your tenants for the best with cover for your boiler, central heating breakdowns and plumbing and electrical problems. Plus you’ll get a Boiler Service and Gas Safety Certificate included.

£22
a month in your first year
Annual price : £264
Excess : £60
Your excess is the amount you'll have to pay upfront every time you claim for a new problem.
Your price will increase at renewal, but you’ll always receive a reminder. If you choose to continue into your second year, the expected price for customers who haven’t made a claim is £56.41£54.49 a month* (£676.92£653.88 for the year). The price includes the cost of your Boiler Service and Gas safety Certificate.

Apply now Apply now

This insurance is for

  • Landlords whose tenanted properties are heated with natural gas
  • Landlords who want cover for their tenanted property’s plumbing, gas boiler, central heating and electrics

What's covered

  • No heating or hot water due to a boiler breakdown
  • Repairing the boiler controls and components
  • Repairing a leak within your central heating system
  • A leaking gas supply pipe
  • A gas boiler service
  • A gas safety inspection
  • Leaking pipes within the property
  • Blocked drains
  • Blockages to sinks and toilets
  • Leaks or blockages to your water supply pipe
  • Dripping or seized taps
  • Failed wiring
  • A breakdown of the fuse box
  • Broken light switches
  • Faults on the electric shower unit
  • Replacement of your Boiler where it is beyond repair

What isn't covered

  • The gas pipe leading into your meter
  • Guttering
  • Soakaways
  • Shared drains, or drains and pipes you're not responsible for
  • Mixer and digital showers
  • Household appliances
  • Installation costs (parts, labour and VAT) where the boiler is aged 7 years or over

Let’s get started

  • First, check you're not covered elsewhere

    This is to make sure you're not paying for cover you don't need.
  • Check you're eligible - this cover is for landlords only

    Protection for flats, apartments, mobile homes, park homes, business premises, council and housing association properties is not included in this policy.
  • Check you're eligible - this cover is for landlords only

    Protection for houses, bungalows, mobile homes, park homes, business premises, council and housing association properties is not included in this policy
  • Don't forget to read the policy documents

    It’s important that you read the Insurance Product Information Document and the Terms and Conditions before taking out the policy.
Remove the stress and cost of unexpected heating, plumbing and electrics problems...
Did you know the average cost to replace a 22 mm motorised diverter valve and reconnect to existing control wiring is £327?
With Landlord's Heating, Plumbing and Electrics cover, you only pay the first £60 excess per claim.
Learn more about costs
  • Avg cost to fix
  • Replace a standard normal power socket
    £133
  • Replace cylinder thermostat
    £153
  • Repair a concealed burst pipe joint
    £201
  • Water jetting of external drains
    £249
  • Repair or replacement of leaking feed/return pipe
    £330
BCIS© Research, September 2024 (prices include labour, parts, call-out charges and VAT)

Frequently asked questions

  • Am I eligible for this insurance?

    • This insurance is only for landlords.

      It doesn’t include protection for flats, apartments, mobile homes or park homes. Business premises and council and housing association properties cannot be covered.

      The boiler(s) at your property must have a power input of less than 70 KW and be fired by natural gas (not LPG, electricity or oil), and gas supply pipes must be 35 mm or less in diameter.

    • This insurance is only for landlords.

      It doesn’t include protection for houses, bungalows, mobile homes or park homes. Business premises and council and housing association properties cannot be covered.

      The boiler(s) at your property must have a power input of less than 70 KW and be fired by natural gas (not LPG, electricity or oil), and gas supply pipes must be 35 mm or less in diameter.

  • What information will I need to buy this insurance?

    • To make buying your policy as simple as possible, please make sure you have the following information to hand:

      • Details of the house, bungalow or flat you want to cover
      • Details of how it is heated (for example, the make of your boiler)
      • A valid email address
      • The bank details of whoever will pay for the insurance.
  • What happens if I change my mind?

    • If you wish to cancel your policy, you can do so at any time by contacting us.

      If this is within the 28 day cancellation period and you haven’t made a claim, you will receive a full refund. If you have made a claim, you’ll receive a refund minus the number of days you had cover.

      If it’s after the 28 days and you have made a claim, you will need to pay any remaining payments for the full term of the policy. If you haven’t made a claim, you’ll receive a refund minus the number of days you had cover.

      See the terms and conditions of your policy for more information on cancellation.

  • What if I need to make a claim before my Boiler Health Check has been completed?

    • Whilst you can make a boiler claim before the check has been done, please note that we’ll complete the health check first and it must pass for us to be able to progress with your claim.

      To find out more about how to book your appointment, as well as what happens during and after the check, take a look at our frequently asked questions.

  • When and how will I have to pay my excess?

    • Each separate problem registered will require an excess payment of £60 per claim to be made.

      Unrelated problems which are not associated with each other will require a separate excess payment.

      Where physical investigation work is undertaken and the problem is not resolved, the excess payment will NOT be refunded.

      The excess payment is taken using a credit or debit card. If you book over the phone, your card details must be input using your telephone keypad.

      We only accept payment using the following cards: MasterCard, Visa and Visa Debit.

      It's the landlord’s responsibility to pay the excess, however, if the landlord has given permission to do so, we will accept payment from the tenant in order to allow the claim to proceed.

    • Please read the terms and conditions of your policy for full details.

  • What is a Boiler Health Check and why do I need it?

    • ​All of our gas products come with a boiler health check, which needs to be booked within 90 days from when your policy starts. During this appointment, our Gas Safe registered engineer will check that your boiler is on our approved list and that there are no pre-existing problems with your boiler or central heating system. If we find that it’s not on our list or discover a fault, we’ll…​

      • Tell you what needs to be done to fix it and how much it’ll cost.
      • Remove boiler cover from your policy or cancel it completely depending on the level of protection that you hold.​

      If you need to claim for a boiler problem before the check has been done, we’ll carry out the check first and it must pass before we can progress with your claim.​

      To find out more about how to book your appointment, as well as what happens during and after the check, take a look at our frequently asked questions.

      Please note that if your policy includes a boiler service, this will be completed at the same time as your boiler health check, to save you making another appointment.

  • When will my boiler service and gas safety inspection be carried out?

    • In your first year as a HomeServe customer we’ll carry out your boiler service at the same time as performing your boiler health check and gas safety inspection.

      After this, if your insurance cover includes a boiler service it will usually be carried out sometime between April and September.

  • Is my boiler service and gas safety inspection part of my insurance cover?

    • No. Your boiler service and gas safety inspection are not elements of your insurance and therefore are not part of the contract of insurance underwritten by the underwriter. Nor are they regulated by the Financial Conduct Authority.

      This means that if you have any complaint relating to your boiler service or gas safety inspection, you will not have the right to refer it to the Financial Ombudsman Service.

      HomeServe also offers standalone boiler services and gas safety inspections.

  • What if I need a repair that isn’t covered by my insurance?

    • Don’t worry. HomeServe’s one off repairs team can help!

      We offer a range of fixed price services that will help keep your home running smoothly. All our repairs are carried out by HomeServe approved experts. Call our team on 0330 0247 064 to find out more.

      For enquiries, lines are open on weekdays from 8am to 6.30pm and Saturdays from 8am to 4pm. We are closed on Sundays. Calls will cost you no more than the rate of a standard call and charges may vary depending on your network provider. Calls are recorded for quality control and training purposes.

  • Are there types of gas heating systems this insurance won’t cover?

    • Yes. Landlords whose tenanted properties are heated by dual-purpose boilers, a warm air heating system, combination cylinders or thermal storage units are not eligible to buy this policy.

  • What if I suspect I have a gas leak?

    • If you think you have a gas leak, call the National Gas Emergency Service immediately on 0800 111 999.

  • Won’t my local water company help if there’s a problem with my supply pipe?

    • Your local water company may provide assistance if your external underground water supply pipe is leaking. Please contact them directly for details.

  • What happens if my boiler is beyond repair?

    • In your first year of cover, after 6 months of cover:

      • If the boiler is less than 7 years old, we will arrange a replacement and cover the installation costs.
      • If the boiler is more than 7 years old, we will arrange a replacement, but you will be required to pay for the installation costs (including parts, labour and VAT).
  • What happens after I’ve had my cover for a year?

    • Your cover is set up so that it will automatically renew every year. This is to make the process of renewing easier and ensure your tenanted property has continuous cover. We’ll send you a reminder about 4 weeks before your cover is due to renew. This will confirm the price of your cover for the next year and prompt you to check that it still meets your needs.

      The price of your cover will increase at renewal. Customers about to renew their cover for a second year can expect to pay £56.41£54.49 a month* (£676.92£653.88 for the year), provided they have made no claims. This price includes the cost of your Boiler Service and gas Safety Certificate.

      If you’d rather your cover didn’t automatically renew, you can cancel this feature when you apply. Alternatively, you can contact us to switch off automatic renewal at any time afterwards.

      If you decide you don’t want your cover to automatically renew, you’ll need to contact us each year to renew it yourself and organise payment.

  • Will I have to pay any extra fees or charges?

    • No. You only have to pay your insurance premium and - in the event you make a claim - your excess.

      Our prices include all fees and Insurance Premium Tax (IPT).

  • Who provides this insurance?

    • This policy is sold, arranged and administered by HomeServe and underwritten by Aviva Insurance Limited. Aviva Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

      Aviva Insurance Limited is registered in Scotland as company number 2116. Its registered address is:

      Pitheavlis,
      Perth,
      Scotland
      PH2 0NH.

      HomeServe is an insurance intermediary and arranges and administers cover on behalf of the underwriter. HomeServe is a trading name of HomeServe Membership Limited. Authorised and regulated by the Financial Conduct Authority for its general insurance activities.

      Our registered address is:

      Cable Drive,
      Walsall,
      West Midlands,
      WS2 7BN.

      HomeServe Membership Limited is registered in England and Wales company number 2770612. VAT registration number GB 559669669.

      The regulatory status of Aviva Insurance Limited and HomeServe can be checked on the Financial Conduct Authority’s Financial Services Register.

  • Where can I find the product documents and terms and conditions that relate to my policy?

*Premiums include Insurance Premium Tax at the relevant rate and are subject to factors such as inflation and tax rate changes.

Looking for something different?

We offer a range of options, so you can pick the one that works for you

Find the right cover

Unsure about something?

No problem! We’re always happy to help

Get in touch