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 Home Emergency Cover?
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 Home Emergency Cover 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.
What’s Typically Covered?
Home Emergency Cover usually includes:
- 24/7 Emergency Helpline – Speak to experts any time of day or night.
- Call-out Charges – No extra fees for emergency visits.
- Labour and Parts – Repairs included up to your policy limit.
- Overnight Accommodation – Costs covered if your home becomes uninhabitable.
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.
Other Useful Cover
Depending on your needs, you might also consider:
- Home Insurance – Broad protection for your building and contents.
- Boiler Cover – Annual servicing and extended repair options.
- Landlord Insurance – Extra protection for rental properties.
- Family Legal Protection – Covers legal costs for common disputes.
Get help when you need it most
At Insurably, we help you find reliable Home Emergency Cover that fits your needs and budget—so you’re never caught off guard by life’s surprises.
Start your quote today and get fast, dependable support when it matters most.
Peace of mind, on standby.
- No call centres, just local experts.
- Rapid response to emergencies.
- Simple, jargon-free advice.
What does Home Emergency Cover include?
What's Covered?
What's Not Covered?
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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years of experience in home insurance
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confidence in property protection
Frequently Asked Questions about Home Emergency Cover
- 24/7 emergency helpline access.
- Call-out fees, labour, and parts for urgent repairs.
- Boiler and heating system breakdown assistance.
- Plumbing and drainage emergencies.
- Electrical failures and loss of power.
- Emergency roof repairs due to storm damage.
- Alternative accommodation if the home becomes uninhabitable.