Home emergency cover is an insurance policy that provides fast assistance for unexpected home issues, such as boiler breakdowns, plumbing problems, electrical failures, and security breaches. It is designed to give you peace of mind that help will be at hand if an unexpected incident occurs at your home, such as a water leak or boiler breakdown. Here are some key points to know about home emergency cover:

What is considered an emergency?

• An emergency is a sudden and unforeseen incident that needs to be fixed as soon as possible because it is bad for your health, risks damaging your home, or compromises your homes security.

What does home emergency cover include?

• Home emergency cover usually includes urgent, unexpected problems that affect your living conditions, such as plumbing and drainage issues, boiler and central heating breakdown, electrical failure, pest infestation, security issues, and roof damage after a storm that exposes your home.

Is home emergency cover worth it?

• While it’s not essential, home emergency cover is worth considering if youre not prepared for the unexpected costs of a claim. Repair costs could end up being substantial, so it’s worth weighing up your options to see what suits your circumstances.

Who needs home emergency cover?

• If you’re renting your home, you won’t need to take out home emergency cover. It’s your landlord’s responsibility to deal with emergency issues and take care of the costs.

How can you get home emergency cover?

• You can get home emergency cover as a standalone policy or as an add-on to your buildings and contents policy. Sometimes this cover is already included in a standard home insurance policy, but its important to check for this.

In summary, home emergency cover is an insurance policy that provides fast assistance for unexpected home issues. It can be worth considering if youre not prepared for the unexpected costs of a claim, and it usually includes urgent, unexpected problems that affect your living conditions. You can get it as a standalone policy or as an add-on to your buildings and contents policy.