Landlord’s Heating, Plumbing and Electrics Plus

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This comprehensive insurance covers your rental property’s boiler, plumbing, drainage, electrics and more. Plus you’ll get a Boiler Service and Gas Safety Certificate included.

£22.50
per month in your first year
Annual price : £270
Excess : £60
Your excess is the amount you’ll have to pay upfront each time you make a claim.
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 £52.03£50.37 a month* (£624.36£604.44 for the year). The price includes the cost of your Boiler Service and Gas Safety Certificate.

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This insurance is for

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

What's covered

The main things you can claim for

  • 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
  • Lost keys to your external doors
  • Protecting a damaged roof
  • Boarding up a broken window
  • Rats or mice inside your home
  • Wasps or hornets in your home or garden

What isn't covered

The main exclusions

  • The gas pipe leading into your meter
  • Guttering
  • Soakaways
  • Shared drains, or drains or pipes you're not responsible for
  • Mixer and digital showers
  • Household appliances
  • Any pest outside other than a wasp/hornets nest

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 Document and the Terms and Conditions before taking out the policy.

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 35mm 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 35mm 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?

    • There is a cancellation period that begins at the same time as your policy. This is shown in your Policy Schedule as the Cancellation Period.

      If you cancel your policy during the cancellation period and have not made a claim, you will receive a full refund.

      If you have made a claim, you will receive a refund less an amount for the number of days which you have been on cover.

      If you cancel after the cancellation period and have not made a claim, you will receive a refund less an amount for the number of days you have been on cover.

      If you have made a claim, you will be required to pay any remaining payments due for the term of your policy.

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

  • When will I be able to make my first claim?

    • Once your policy is set up, your boiler must pass the boiler health check before HomeServe can progress any claim you might make.

      Take a look at the terms and conditions of your policy for full details.

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

    • You will have to pay £60 for each claim you make. We’ll need this payment before your claim can be progressed.

      It is the landlord’s responsibility to pay the excess, however, we will accept payment from the tenant in order to allow the claim to proceed.

      We can only accept payment using the following cards: Mastercard, Visa, Visa Debit or Maestro.

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

  • 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’s a boiler health check, and why does my boiler need one?

    • The boiler will be given a health check within the first year you’re covered by HomeServe. This is an initial inspection during which a Gas Safe registered engineer will check your boiler to ensure it is safe and can be insured.

      The boiler must pass this health check before any boiler insurance claims you make can be progressed.

      The boiler health check must be booked or completed within your first 90 days as a HomeServe customer, and it’s easy to arrange your appointment over the telephone.

      Any previous landlord policies held with us prior to 31.03.2022 will not be subject to a new boiler health check.

      Please note that in your first year with HomeServe, your boiler health check, boiler service and gas safety inspection will be carried out during the same appointment even though they are separate inspections. For more information, read our guide to the differences between a boiler health check and a boiler service.

  • 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 property running smoothly. All our repairs are carried out by HomeServe approved experts, and it’s simple and quick to book your repair online.

  • 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.

  • Will my local authority help me with pest control?

    • Your local authority may provide a pest control service to its residents. Please contact them directly for details.

  • What happens if my boiler is beyond economical repair (BER)?

    • After the first six months of cover:

      • If the boiler is BER and under 7 years of age, we will replace it
      • If the boiler is over 7 years of age, we will source, replace and install a new boiler, but you will be required to pay for the installation costs.
  • 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 £52.03£50.37 a month (£624.36£604.44 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 this policy on behalf of the underwriter. HomeServe is a trading name of HomeServe Membership Limited, which is authorised and regulated by the Financial Conduct Authority for general insurance and credit broking activities, under firm reference number 312518.

      Our registered address is:

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

      HomeServe Membership Limited is registered in England as company number 2770612. Our VAT registration number is GB559669669.

      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?

*Price includes any applicable Insurance Premium Tax and is subject to any inflation and tax rate changes.

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