Nothing can guarantee that you and your home won’t be hit by a stroke of misfortune that results in a crisis. A burst pipe, a heating system that malfunctions or a major electrical fault – any of these things may make your normal life impossible and involve you in some very high costs. That’s why home emergency protection insurance exists.

The nature of a crisis

Whatever the cause, your first thought in such an event may well be “how do I fix this – now!” If so, that may not be the time you want to start fretting about your bank balance and how you’ll be able to pay the bill. You’ll want to get work underway immediately to sort the problem out – and that’s where home emergency protection insurance may help.

Through this form of insurance you may only have to call the provided helpline and you will then be able to get advice and help. More importantly, you may be able to rest more comfortably knowing that the emergency costs involved may be covered by your insurance policy.

What’s covered

Typically, a policy of this type will cover a range of problems in your home should they arise in areas such as the mains electricity, water and plumbing, principle heating, security, keys (e.g. broken key in a lock), drains and pest infestations.

Some policies may make a financial contribution towards the costs of emergency accommodation and provide for emergency boiler inspection and servicing. It is typically a good idea to check the cover specifics of any insurance policy as the cover may vary depending upon the type of policy you select and pay for.

What’s not covered

This form of policy is intended to cover the cost of immediate emergency work to restore a basic ‘liveable’ position in the event of a crisis. Typically a home emergency protection insurance policy may not cover you for:

• restoration or replacement of damaged property or buildings after a problem has been fixed – this is more typically dealt with by buildings and contents insurance;
• replacement, repairs and restorations of defective parts and equipment (other than where this is necessitated immediately on the spot as part of the ‘emergency recovery’ action);
• repair costs incurred where responsibility rested elsewhere – examples may include a drain blocked outside of your property boundaries or a leak originating in someone else’s property;
• property that you’re renting from a landlord as this would typically be the landlord’s responsibility to cover through their insurance;
• property that you’re renting out as a landlord – your requirements may be dealt with through various forms of landlord insurance.

Contents insurance?

Home emergency protection insurance is intended to complement standard buildings and contents insurance. Typically the risks covered by the two policies will be different however if you are in any doubt as to whether or not your standard contents insurance already offers emergency protection, a quick read of the policy details should resolve the matter.

Home emergency protection cover may prove invaluable in the event of a crisis. Getting hold of further information may be a sensible use of a few minutes of your time.

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