Home emergency cover can offer protection against costly plumbing, heating and electrical repairs.
What does home emergency insurance cover?
Not every problem is categorised as an 'emergency' so it is worth knowing which ones are typically covered by policies.
Blocked toilet and unusable
Blocked kitchen sink and unusable
Totally blocked drainage pipe within your property
Water pipe leak that can't be stopped
Loss of complete power or the lights stop working
Wasp nest inside or attached to house
Extreme weather damage
Do I need emergency cover in a rented property?
This should be the responsibility of the landlord's, it is best to check with them in case they are not covered for any of the listed emergencies - compare the best UK Landlord policies here.
How much does home emergency cost?
Cost depends on the level of cover the policy offer. Often a standalone deal will cost more than having the emergency cover added to an existing home insurance policy.
Is home emergency cover provided all year round?
Home emergencies can happen anytime meaning you can be covered no matter what time of the year it is. That said some providers only cover the boilers as an 'emergency' in the winter months and some policies only allow up to a certain number of call outs in the year - However, most guarantee repairs they have undertaken so it's unlikely more than one call out will be required for the same issue.
What happens to my home emergency cover if I move house?
If policy holders move house, they should let their policy provider know the new property details so they can check to see if the existing policy will be suitable for the new home - in some instances (ie. the new property uses a different heating method) the policy will not be transferable, but where individual's move to broadly similar properties policies are transferable.
Are there restrictions as to which properties can be covered?
Specific restrictions depend on the provider and policy, but they do exist. For instance, some policies do not cover to bedsits or maisonettes with shared facilities or mobile homes.
How do I find the best home emergency cover?
Customer's should shop around and compare what's on offer, either as part of standard home insurance or stand-alone deals. They should also remember that they are not tied to a specific provider based on who their utility supplier happens to be.