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Home emergency cover is a type of insurance plan that protects your home from unexpected breakdowns. It covers all of your main utilities, i.e. electricity, gas, and water, so it typically includes the likes of boiler and central heating issues, as well as problems with your plumbing and drainage system. As the name indicates, it provides you with the reassurance that you can get the help you need if an emergency incident arises on your property.
Whether or not you decide to take out home emergency cover is a personal choice. This is not something that you are legally required to do. However, if you are a homeowner and you want reassurance that emergencies are going to be covered and deal with in a quick and convenient manner, this policy is definitely worth considering. If you do not have the cash spare to replace a burst pipe or a broken boiler, home emergency cover will ensure that your property is always safe, warm, and habitable.
We often get asked questions about home emergency cover, so we will aim to answer all of the common ones here:
Common emergencies covered by home emergency policies include plumbing issues, heating system failures, electrical failures, and security concerns. Some policies may also cover issues such as roof leaks, boiler breakdowns, and pest infestations.
While it is not a legal requirement, having home emergency cover can provide peace of mind and financial protection in the event of a home emergency. It can also be a useful resource for those who may not have the time or resources to handle unexpected repairs on their own.
The cost of home emergency cover can vary based on the provider and level of coverage chosen. It is typically an annual or monthly fee, and some providers may offer a range of premiums for different levels of coverage.
Each policy may have different exclusions, but common exclusions may include pre-existing issues, cosmetic repairs, and damage caused by wear and tear. It is important to carefully review the terms and conditions of a policy to understand what is and isn’t covered.