Smart Cover: Home Emergency Cover for Landlords

What we have added

This is a paid partnership. LetSorted may receive a referral fee if you take out cover through the links on this page, at no extra cost to you. Our affiliate disclosure lists every arrangement we have.

Smart Cover sells whole-property home emergency cover for landlords. That is the whole description. What a given policy includes, excludes, caps or charges as an excess is set out in Smart Cover's own terms — we are not the insurer, those terms change without notice, and a stale summary on this page would be our misrepresentation, not theirs. Read them there.

We now have two cover partners, and they overlap

We already work with Domestic Appliance Guard. It would be convenient to tell you the two occupy tidy, separate niches. They do not: both sell cover for the same broad category of household emergency, and which one is better for a given property depends on the plan, the price and the exclusions on the day you look.

So we are not going to pick for you, and we are not going to invent a distinction to justify carrying both. Compare the two on their own terms pages. If one of them already covers what you need, you do not need the other.

Cover is not compliance

Worth stating plainly, because it is the easiest thing to imply by accident: holding a home emergency policy does not discharge any legal duty you have as a landlord.

It is not a substitute for the annual gas safety check, for an EICR, or for the repairing obligations you owe under the tenancy and under Awaab's Law. Those duties are unaffected by whether you are insured. Cover is a commercial decision about who pays for a call-out; compliance is a legal obligation about what you must do and by when.

We are not telling you to buy cover, and we do not know whether it is right for your property. Some landlords prefer to self-insure and keep a contractor on call. That is a legitimate choice and this page is not an argument against it.

Keep the repair record either way. Whether you are insured or you pay per call-out, the dated history of what broke, what it cost and who fixed it is the part that is evidence. See how issue management works →

Where you will see it

A disclosed partner block on our maintenance record update, and in our partner list. Every placement carries the same "Ad ·" marker and the same rel="sponsored" attribute on the link, so it is always obvious which links pay us.

This is general information about how LetSorted works. It is not insurance, legal or financial advice, and it is not a recommendation to buy any product.