Home emergencies have a knack for occurring at the most inconvenient times. Boilers may decide to break down in the frosty grip of winter, storm damage to roofs is a common woe during wet autumns, and utility failures can leave you without essential services just when you need them most. In light of these unpredictable events, many homeowners and landlords in the UK turn to the safety net provided by home emergency cover.

Understanding Home Emergency Cover

What is Home Emergency Cover?

Home emergency cover is a specialised insurance policy tailored to shield you from unforeseen domestic crises. Whether you are a homeowner or a landlord, this cover alleviates the financial burden of emergency repairs and connects you with qualified tradespeople to swiftly address the issue.

Do I Need Home Emergency Cover?

While there is no legal obligation to have home emergency cover in the UK, the peace of mind it offers can be invaluable. In times of crisis, your insurer will coordinate with skilled professionals to tackle the problem, sparing you the stress of finding immediate solutions.

What Does Home Emergency Cover Do?

As the name implies, home emergency cover steps in during emergencies. It encompasses emergencies such as heating or hot water breakdowns, electricity or gas supply failures, plumbing issues, storm damage, and even pest infestations.

Is Home Emergency Cover Worth Buying?

Absolutely. Whether you’re a homeowner or a landlord, investing in home emergency cover is a prudent decision. It ensures quick access to qualified tradespeople, potentially saving you money and sparing you the hassle of arranging emergency repairs during stressful times.

What Does Home Emergency Cover Include?

The coverage varies among policies, but most policies typically cover:

  • Heating: Protection against hot water or heating system failures.
  • Plumbing: Coverage for sudden plumbing or drainage system issues.
  • Utilities: Addressing complete failures or breakdowns in gas or electricity supply.
  • Storm Damage: Temporary repairs for storm-damaged roofs.
  • Security: Securing your property in case of damage to external locks, windows, or doors.
  • Infestation: Emergency pest control for specific vermin.
  • Alternative Accommodation: Providing temporary accommodation if your home becomes uninhabitable.

What Does Home Emergency Not Cover?

Common exceptions include:

  • Certain Boiler Systems: Excluding boilers over a certain age or with an output exceeding certain power limits.
  • Uninhabited Properties: Coverage may not be valid if the property is unoccupied.
  • Early Claims: Typically, claims within 14 days of policy inception are not accepted.
  • Cost Limits: Policies often impose limits for various events and repairs.


For more information please give us a call on 01934 643400