What is home emergency cover?
Home emergency cover is an optional insurance product that’s there to give you peace of mind and financial assistance when things such as plumbing and central heating go wrong.
Most insurance providers define a household emergency as something that:
- could cause permanent damage to your home
- may make your home unsafe
- poses a risk to your health.
Since they’re of significant importance and potentially dangerous, home emergency policies typically cover your boiler/heating system, plumbing system, electrics and household security.
Some insurance providers offer additional cover for problems such as pest infestations or damage to your roof.
It’s important to note that home emergency policies vary depending on which insurance provider you go with. It’s essential to read your policy documents carefully, to find out exactly what’s covered and what’s not.
Frequently asked questions
What isn’t covered by home emergency cover?
Your home emergency cover will exclude certain incidents, and the list of exclusions will vary from policy to policy. Almost all policies, however, don’t cover general wear and tear. So when it comes to your central heating boiler and pipes, it’s important that they’re well maintained, in the form of a regular (annual) service. Most insurance providers will insist on this point, so if you haven’t kept your boiler and heating system in good condition, it could invalidate your policy.
Do I need home emergency cover?
It’s not an absolute requirement. But when you consider the potential cost of dealing with household emergencies, home emergency cover could be worth it.
The typical cost of a boiler repair is around £150 to £210, but it could set you back much more than that if a part needs replacing. A brand new boiler could cost anywhere between £750 and £4,500. And then there are call-out fees and installation costs to consider.
A burst pipe, on the other hand, could set you back by anything between around £100 to thousands if a lot of damage is done.
Where can I find home emergency cover?
Unfortunately, we don’t currently offer standalone home emergency cover, but it’s available as an optional extra when you compare home insurance quotes with us. It’s quick and easy to get a home insurance quote – just give us a few details about yourself and your home, and we’ll give you a list of quotes from a range of trusted UK providers in minutes.