What Is Home Emergency Cover On Home Insurance

Your home insurance policy will cover you against things like fire flooding or theft but it won t be there to help you get a burst pipe fixed or repair your central heating unit.

What is home emergency cover on home insurance. Home emergency cover is an add on to a home insurance policy. You need to maintain your home to a good standard for the cover to be valid. Home emergency policies typically cover you for boiler heating system breakdown blocked drains electrical faults and household security for example a broken widow. Home emergency cover is a specific type of home insurance which covers the costs of various household emergencies.

Some of the things likely to be excluded from your policy are. But it won t cover you for the repair work that needs doing later. Home emergency cover fixes the issue itself but not any damage it causes. For example it would cover the cost to repair a burst pipe but not the cost of water damaged wood flooring.

What level of cover you need. By buying the home emergency cover upgrade your maximum emergency claim amount rises to 1 000. It covers you for things that could impact your health your home s security or risk of damage. Home emergency cover providers may not provide insurance on all of the above and with all of these issues each home emergency cover provider will have their own conditions on insuring you for each.

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. Javascript is disabled in your browser. To get the best experience when using our website we recommend that you enable javascript in your browser. What is home emergency cover.

Stand alone home emergency insurance will only cover immediate fixes and not the repair work needed afterwards. Home emergency insurance provides you with a 24 7 emergency helpline to cover the costs and ease the hassle. If you are coming to the end of your mortgage credit card or loan payment holiday we will contact you before it ends there is no need to call us. Home emergency cover can protect you against the cost of emergency repairs which wouldn t normally be covered by your home insurance.

Before you compare deals think about. This means that you ll get everything you d have with home emergency assistance see above section but you ll be covered for larger claims requiring more expensive repairs. Some home emergency policies offer unlimited cover but others only pay up to a set amount or limit the number of call outs you can make. Emergency home cover covers you for immediate fixes.

Home insurance emergency cover policies have lots of exclusions so it s unlikely you ll be covered for every possible scenario.