Home emergency cover

Home emergency cover is an optional add-on to your standard home insurance policy. It gives you extra protection for your home. It covers any urgent issues that affect your property to the point where you may be unable to stay there. 

With home emergency cover, we've got you covered for a range of unexpected situations. You’ll be covered in the case of things like:

Boiler and central heating breakdown

If your main heating system breaks or you have a leak that leaves you without any hot water, home emergency will help cover the cost of the repair, or replacement if needed. You’ll have to make sure that you’re regularly getting your boiler serviced for your plan to continue to be valid. If your boiler is slightly newer, you may be expected to go back to the manufacturer and get it fixed under warranty. Some insurers may not cover older boilers. 

Roof damage after a storm 

If you lose tiles, get a leak, or have other roof issues, home emergency cover can help pay for emergency repairs. 

Plumbing emergencies and external drainage

There are a few things that are covered under ‘plumbing emergencies’ these are things like:

• Blocked or leaking toilets
• Leaking pipes, joints or internal stop-taps
• Isolating and draining of a leaking water tank, water cylinder or expansion tank
• Leaking soil vent pipes 
• Blocked waste pipes or blocked drains meaning all sinks become blocked 
• Unblocking of external drains within the boundary of the property
• Repair collapsed external drains as long as they’re not beneath any buildings

Electrical emergency 

This will cover things like:

• Breakdown of a fuse box
• Lost power to a circuit
• Permanent damage to the domestic electrical wiring caused by a power cut 

Lost keys or damage to locks, doors and windows

If you have had any security issues at home, home emergency cover will help you feel safe again. It covers: 

• Use of tarpaulin to protect your property in the event of a damaged roof
• Boarding up any broken windows or doors to secure your home
• Replacing any locks and keys when your key has been lost or has been stolen (and you don’t have another set)
• Repair broken locks for external windows and doors to secure your home. 

Pest infestation

If you have a pest infestation home emergency covers you for the removal of any unexpected guests in your home. It covers rats, mice, wasps, or hornet’s nests that may be invading your space.

Hotel accommodation and travel

If your home becomes unliveable because of something covered by your emergency home insurance, you will usually be eligible to make a claim which could cover costs of hotels and travel.