As a landlord, maintaining your property can be costly, especially when essential systems like your boiler malfunction. Many landlords wonder whether their insurance covers boiler repairs or replacements, as these expenses can add up quickly. In this blog, we’ll explore whether landlord insurance typically covers boilers and offer practical tips to ensure your property is protected.
What Does Landlord Insurance Cover?
Landlord insurance is designed to protect your property from certain risks, including damage from fire, floods, and other perils. It typically includes building cover, contents cover (if you’re providing furniture), and sometimes liability insurance to protect you from legal claims. However, one of the most common questions is whether it includes boiler breakdowns.
While landlord insurance can cover structural elements of your property, it generally doesn’t include appliances like boilers unless you have a specific add-on. This is why it’s important to carefully read through your policy or speak with your provider to know exactly what’s covered.
Is Boiler Breakdown Covered by Landlord Insurance?
In most cases, standard landlord insurance doesn’t cover the cost of repairing or replacing your boiler if it breaks down. However, some insurance providers offer optional boiler cover as an add-on to your policy. This type of cover will usually help with the cost of repairing the boiler, servicing it annually, and, in some cases, replacing it if necessary.
Without this additional cover, any boiler-related issues will have to be paid for out of your pocket. This is why many landlords choose to purchase separate boiler cover plans to ensure they are protected in case of an unexpected breakdown.
When Might Insurance Cover a Boiler?
Even if your policy doesn’t cover boiler breakdowns, there are certain scenarios where landlord insurance might step in. For example, if your boiler is damaged due to an event like a fire or flood, your building insurance would cover the cost of repairs or replacement. However, this only applies to external factors causing the damage, not general wear and tear or breakdowns due to age.
It’s worth checking the specifics of your policy to know exactly when insurance would help with boiler issues.
Should You Get Boiler Cover for Your Rental Property?
Given that standard landlord insurance typically doesn’t cover boilers, investing in boiler cover could be a wise decision. These plans usually provide annual boiler servicing, access to emergency repairs, and a quicker turnaround if you ever need to replace your boiler. Plus, regular maintenance can extend the lifespan of your boiler and reduce the risk of sudden breakdowns.
Many landlords find that boiler cover is a valuable addition, offering peace of mind that tenants won’t be left without heating or hot water in the event of a problem.
How Can Boiler Sure Help?
At Boiler Sure, we understand how crucial it is for landlords to keep their boilers in top working condition. Our team provides professional boiler servicing, ensuring your system runs smoothly all year round. If you’re unsure whether your landlord insurance covers your boiler or need expert advice on maintenance and repairs, we’re here to help.
While landlord insurance may not always cover boiler breakdowns, it’s important to explore your options and consider adding boiler cover to your policy for comprehensive protection. Keeping your boiler well-maintained can save you from costly repairs and ensure that your tenants are comfortable.
For reliable boiler servicing or to learn more about how to protect your rental property’s heating system,contact Boiler Sure today. We’re committed to providing expert advice and top-tier services that landlords can depend on.
