If you’ve ever experienced a problem and crisis around the home such as a water leak, you know that two immediate questions may come to mind straight away. The first of these is “how do I get this fixed immediately?” and the second is “how will I pay for the emergency callout costs?” Home emergency cover insurance may be the answer.

Why may it be a good idea?

However much your home is your pride and joy and however well you maintain it, bad luck may strike at any time.

It isn’t only leaking or burst pipes. A heating system that has just broken down in the depths of mid-winter may render your home close to uninhabitable if you have no alternative heating sources. In summer if you return home to find your house infested with wasps due to a nest in the attic, you may similarly not be able to live there until it’s fixed. The effects of a blocked and backing-up drain can be so unpleasant as to hardly bear thinking about!

The list could continue.

In such dire situations, one worry that you may not wish to add to the list is just how you’re going to pay the typically very high costs of calling out someone on an emergency basis to deal with the problem. By offering to meet the costs of emergency repairs and restorative actions, home emergency cover may help you sleep more easily at night.

Where home emergency insurance may help

Typically a policy of this type will help to cover the costs of emergency situations in areas such as:

• mains electricity service supply;
• plumbing and drains etc ;
• matters to do with security (e.g. locks) ;
• loss of keys ;
• emergency accommodation ;
• heating (primary systems) ;
• boiler inspections ;
• pest infestations.

The cover provided might vary depending upon the level of policy you have selected and paid for.

Home emergency cover and buildings / contents insurance

These two forms of insurance typically cover different things and home emergency insurance is not intended as a replacement for buildings and contents insurance. It is primarily intended to supplement it by providing cover for the immediate ‘crisis resolution’ costs that may be substantial at the point you are trying to restore the position to an acceptable level.

Emergency cover insurance typically will not cover things such as replacement of damaged articles, full repairs and restoration of property and loss due to things such as theft and vandalism etc. It is also not intended to cover full-scale repairs of defective items.

It may be highly advisable to check the details of the cover provided by both forms of insurance policies to ensure that you have the total domestic cover you need.

Eligibility

This type of home emergency cover insurance is typically designed to protect the owner-occupier. It may not be valid or suitable for people who are renting accommodation or landlords who are renting out their property. In both cases there are typically other policies that will cover those requirements.

Summary

If you’re dealing with a crisis in your home, you may not want the added bother of worrying about how you’re going to find the money to pay for the emergency repair costs. That’s why finding out more about home emergency cover may be a sensible idea.

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