Home Emergency
Cover
What is Home Emergency Cover?
Home Emergency Cover provides rapid assistance for unexpected incidents that affect your home's safety or habitability. From boiler breakdowns and burst pipes to electrical failures and pest infestations, it ensures help is on hand when you need it most.
For homeowners, landlords, and families, Home Emergency Cover delivers peace of mind and immediate support when sudden domestic issues arise—day or night.
Who Needs This?
If you own or manage a residential property, this type of cover is a smart choice. It’s ideal for:
- Homeowners – Avoid costly emergency call-outs and repairs.
- Landlords – Ensure fast response to issues that affect your tenants.
- First-Time Buyers – Protect your new home from day one.
- Busy Families – Get 24/7 support for urgent household problems.
- Remote Workers – Minimise disruption to your home and routine.
Why is it Important?
Unexpected home emergencies can be stressful, expensive, and dangerous. This cover gives you access to qualified tradespeople, 24/7 call-outs, and quick resolutions—without worrying about high repair bills.
Common emergencies that Home Emergency Cover protects against include:
- Boiler Breakdowns – Restore heat and hot water quickly.
- Burst Pipes or Leaks – Immediate action to prevent flooding and damage.
- Electrical Failures – Emergency repairs to restore power and safety.
- Blocked Drains or Toilets – Avoid health hazards and inconvenience.
- Roof Damage – Urgent repairs for storm or impact damage.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
Home Emergency Cover typically includes:
- Boiler & Heating – Repairs if your boiler breaks down or heating fails.
- Plumbing & Drainage – Help for burst pipes, blocked drains, and leaks.
- Electrical Failure – Assistance if your home's power supply fails.
- Security Issues – Emergency repairs to windows or doors after a break-in.
- Pest Infestation – Removal of pests like wasps, rats, or mice.
What's Not Covered
- General maintenance or pre-existing issues.
- Boiler servicing or replacements due to age.
- Non-emergency repairs or cosmetic work.
- Appliances not connected to your home's main systems.
Additional Cover You May Need
Depending on your business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does Home Emergency cover you for?
When unexpected issues like boiler breakdowns happen—especially in winter—Home Emergency Cover can make all the difference. It provides fast access to qualified engineers, often within hours, helping restore essentials like heating and hot water without delay. It’s a smart way to protect your home and avoid long waits for urgent repairs.
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