What Is Home Emergency Cover?

Home emergency cover
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Home emergency cover is an insurance policy that protects homeowners from unexpected emergencies that may occur in their homes. These emergencies may include boiler breakdowns, burst pipes, power outages, and other unexpected damages that require immediate attention.

How does it work?

Home emergency cover works by providing homeowners with access to emergency services that can help them deal with unexpected damages or emergencies. Homeowners can call their insurance provider's emergency hotline and receive assistance from qualified professionals who can assess the damage and provide necessary repairs.

What does it cover?

Home emergency cover usually covers a range of emergencies, including plumbing and drainage issues, electrical faults, boiler breakdowns, and pest infestations. It may also cover emergency repairs to doors, windows, and locks, as well as temporary accommodation costs if the home is deemed uninhabitable.

What are the benefits?

The benefits of having home emergency cover include peace of mind, quick response times, and access to qualified professionals who can provide immediate assistance. Homeowners who have this insurance policy can avoid the stress and financial burden of unexpected repairs and damages.

How do I get it?

Home emergency cover can be purchased as an add-on to your existing home insurance policy or as a standalone policy. It is important to shop around and compare policies to find the best coverage for your needs and budget.

What should I look for in a policy?

When looking for a home emergency cover policy, it is important to consider the level of coverage offered, the response time of the emergency hotline, and any additional benefits, such as temporary accommodation. It is also important to check the policy's exclusions and limitations to ensure you are fully covered.


Home emergency cover is an important insurance policy for homeowners who want to protect themselves from unexpected emergencies and damages. By understanding what it covers and how it works, homeowners can make informed decisions when choosing a policy that meets their needs and budget.

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