What is home emergency insurance?

Q: I have cover for my boiler. What else does home emergency insurance cover protect me from?


“Depending on the type of policy you’ve got, home emergency cover can also help meet the cost of addressing central heating failure, burst pipes, drainage problems and electrical issues. Some policies will also include extras such as key cover, pest control and repair or replacement of domestic appliances.

“Some home contents insurance policies will include home emergency cover as standard and others will allow you to add it as an optional extra for an additional premium. Never assume the type of level of cover that you have though, and always check your policy documents carefully. Pay particular attention to any excess charges – the amount you have to contribute to the cost of any claim – and bear in mind that some home emergency policies may have a limit to the number of call outs you can make in a given time period.”


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