There are a lot of costs associated with owning a buy-to-let property and a solid landlord boiler cover policy may help you save money down the road should anything go wrong with the properties boiler.
Although landlord boiler cover isn’t required by law, there are lots of legal requirements around keeping the property habitable and supplying a Gas Safety Certificate. Boiler cover can make this a lot easier in a moment of emergency repairs should the central heating system stop working.
Depending on the policy you take out, it can help with the cost of gas safety inspections and annual boiler service.
What Is Landlord Boiler Cover?
Landlord boiler cover is designed specifically for landlords to cover boiler and central heating systems.
There are a few different types of landlord boiler cover available:
- Boiler cover – this covers the boiler in the property if there are any issues with the unit or its controls. This does not cover your pipes or radiators.
- Boiler and central heating cover – this covers the whole heating system from the boiler, controls, pipes and radiators.
- Home emergency – this type of cover is great to get speedy assistance in the event of an emergency. This covers you for boilers, heating systems, plumbing, electrics and home security to name a few.
You should always check what the policy doesn’t cover before you agree to any contract. This means you will not get any surprises when things go wrong and you thought that issue was covered.
What Add-Ons Are Available With Landlord Boiler Cover?
Many providers offer add-ons for more extensive coverage on top of your boiler cover. These are designed to provide peace of mind and meet legal obligations as a landlord.
Some available add-ons are:
- Annual boiler service
- Gas safety certificate checks
- Central heating system cover
- Gas supply pipe cover
- Plumbing cover
- Drainage cover
- Gas appliances cover
- Electrics cover
- Carbon monoxide testing
Is Landlord Boiler Cover Included In Home Insurance?
This depends on your home insurance policy. Some providers include basic boiler cover in the policy but it may not cover you for other aspects covered in a specialised landlord boiler cover policy.
You should check your insurance policy before committing to landlord boiler cover.
How To Choose Landlord Boiler Cover?
In the moment of an emergency, your tenants are placing faith in you to fix the issue quickly. It is a legal obligation to fix a broken boiler within 24 hours. Without a strong boiler cover policy, it can be difficult to get someone out in that time frame.
In the event of a boiler breakdown, you need to know that the provider you have selected has a strong reputation and good customer feedback. This is a good indicator of how well and quickly they will deal with any claims.
Remember, many providers do not allow any claims within the first 10-14 days. This period varies by provider so you should have a policy up and running as soon as possible to ensure you’re covered.
Can I Get Landlord Boiler Cover For An Older Boiler?
Boiler cover is available for older boilers. However, not all providers will offer cover for older units and it will come with higher premiums to mitigate the extra risk of a breakdown occurring.
Many providers will not cover a boiler older than 15 years old and some may not renew the policy for boilers older than 10 years old. This is because it is advised to upgrade to a new boiler every 10-15 years.
Do I Need A Gas Safety Certificate?
Landlords are legally obligated to annually obtain a gas safety certificate to ensure the property is safe to live in. Some landlord boiler policies will include these checks with your annual boiler service.
What’s The Difference Between Boiler Cover And Central Heating Cover?
As a landlord is important to know the difference. In the moment of an emergency, you need to know what you are covered for and what is not. With the added stress of having tenants in your property, things must be dealt with quickly.
In its simplest explanation, the boiler cover simply protects your boiler and its controls and the central heating cover protects pipework, cylinders and radiators on top of your boiler and its controls.
Landlord Cover FAQs
Do I Need Boiler Cover If The Boiler Under Warranty?
Boiler warranty only covers faults for a certain number of years. If the boiler breaks down caused by other parts of the central heating system, the manufacturer will not repair to replace it.
This is why boiler cover can become very valuable if the unexpected happens.
What Does An Annual Boiler Service Include?
Many people think they do not need annual boiler service. However, it is crucial to keep your boiler working efficiently and to prolong its lifespan.
Your gas safe engineers will:
- Perform visual checks on all aspects of the boiler, pipework and radiators
- Remove the boiler casting to check and test all the essential components
- Perform gas pressure checks
- Test your boiler thoroughly
- Check external flue to ensure there are no blockages