What's Home Emergency Cover?

Is Emergency Cover Essential for Protecting Your Home?

Protecting your home is of the utmost importance, especially when it comes to emergencies. However, finding the right emergency cover for you & your family can be a difficult task. With so many options available on the market, how do you know which one is best? In this blog post, we will talk about what emergency cover is & how it can benefit you.

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Home Emergency Cover

Imagine this:

If you live in the UK, you likely spend a lot of time worrying about your home and family’s dangers. We’re not talking about burglars or fires here – we’re talking about extreme weather conditions like floods, hurricanes, earthquakes, and so on. It makes sense to worry because these events are something that could happen at any time without warning.

Many people don’t think they need emergency cover for their homes until they’ve already experienced one of these events first-hand. But this is too late! Everyone has a responsibility to protect their family.

No matter what you do for a living, it is essential to make sure that your loved ones are taken care of in the event of an emergency. One way to ensure this safety is by purchasing a home emergency cover. The emergency cover provides financial protection against natural disasters like flooding or fire damage and things like theft or accidental breakages in the home.

What counts as a home emergency?

Let’s get down to business:

An emergency at home is typically anything that:

  • Endangers your health and well-being
  • Poses a danger to your home
  • Your home’s security is compromised

Emergencies are often sudden and unexpected. They may include the following:

  • Your boiler has broken down
  • When you don’t have any heating or hot water
  • Plumbing problems, such as clogged drains
  • Roof damage that occurs unexpectedly
  • Sudden power outage
  • Windows, doors, and locks that are broken
  • Mice or rat infestations

Do You Need Home Emergency Cover?

If you’re considering purchasing home emergency insurance, make sure to review your current policy to determine if you currently have the coverage you require. Many homeowners’ insurance policies offer some form of emergency coverage, such as coverage for broken or damaged locks or burst pipes. 

However, rather than incorporating it as standard in a home contents insurance policy, some insurers provide it as an add-on for extra coverage.

You see:

Having emergency coverage means that a problem can be repaired promptly without having to go through the effort of contacting a licensed contractor1. Whether it’s during the day, evening, or weekend, there’s usually only one number to call. You can also save money on repairs. You may not require home emergency coverage if you have sufficient funds to handle any necessary repairs.

Home Emergency Inclusions

When you call your home emergency insurance provider to file a claim, an engineer or electrician will be dispatched, and the cost of the job will be covered.

On the other hand,

Home emergency policies vary significantly in price and coverage. In addition, standalone insurance frequently provides a more extensive range than the home emergency cover bundled with home insurance.

Most insurance, however, will cover some or all of the following repairs:

  • Boiler breakdown
  • Thermostat malfunction
  • Loss of hot water
  • Plumbing problems
  • Pipes burst
  • Clogged drains
  • Electrical failure
  • Roof damage caused by extreme weather
  • Security issues including shattered doors and windows
  • Lost keys
  • Pest infestations2

Home Emergency Exclusions

Most home emergency insurance has a yearly restriction on the cost of repairs and labor, as well as the number of call-outs you can make. Some companies additionally charge a call-out fee that must be paid before you may file a claim.


The following are some examples of standard exclusions:

  • Claims made within the first 14 or more days of the policy’s inception
  • Sludge in the boiler, pipes, or radiators causes problems.
  • Emergencies occur after a property has been vacant for 30 days or more.
  • Repairs to boilers that haven’t been maintained in the last year
  • Other problems resulting from lack of maintenance or wear and tear

How to Get Home Emergency Cover

You can purchase home emergency coverage separately or as an add-on to your existing house insurance policy. House emergency protection is frequently cheaper when purchased with your house insurance; in fact, some home insurance policies include it as a standard feature and the occasional packaged bank account.

It gets better:

Home emergency insurance that is not related to a home insurance policy, on the other hand, usually provides more comprehensive coverage. So while taking out duplicate insurance is pointless, if you have to pay to add home emergency protection to your house insurance policy, it’s worth evaluating the coverage and looking around to see if you can get a better bargain.

Consider the following factors before comparing offers:

  • What level of cover do you require? For example, some home emergency insurance provides unlimited coverage, while others only pay up to a certain amount or limit the number of times you can contact for help.
  • What would you like to be covered? Boilers and burst pipes are usually covered by most insurance, although you may have to pay extra for electrical or pest coverage items.

Common Questions

What's the Difference Between Home Insurance and Home Emergency Cover?

Can I Keep My No-Claims Bonus if I Claim for Home Emergency Cover?

Do I Need Home Emergency Cover if I Am Renting?

How to Save on Home Emergency Insurance?

In Conclusion

In short,

Home emergency cover is a safety net for your home in case of an unforeseen event. When you have it, you can rest easy knowing that if the worst were to happen, then at least you would be safe and taken care of.

In addition, if you could not afford to pay for emergency repairs if they were needed, the expense of home emergency insurance would be worth it.

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Editorial Note: This content has been independently collected by the EveryInvestor advisor team and is offered on a non-advised basis. EveryInvestor may earn a commission on sales made from partner links on this page, but that doesn’t affect our editors’ opinions or evaluations. Learn more about our editorial guidelines.
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