Home emergency cover offers protection against pets, electrical breakdown emergencies and even plumbing and drainage. As you may have guessed by now, home emergency cover is an excellent way to have a peace of mind knowing your home is safe from most, if not, all troubles at home. That being said, is this peace of mind worth the monthly/yearly prices put on home emergency cover plans? We are here to tell you about the intricacies of home emergency cover and weather it’s worth the price.
What is the Home Emergency Cover?
If an incident occurs in the home and you’re in dire straits, you’ll usually need it sorted sharpish. This is where home emergency cover could really save the day.
If you have home emergency cover in place, you’ll be given a number to call if something goes wrong and you need it fixed straight away. Your insurer should send one of their appointed tradespeople out to your home to help fix the situation. It’s important to remember that using someone you know generally won’t be covered because they’ve not been approved by the insurer. Home emergency cover is one of the most common home insurance extras you can add to your policy. But some insurers also offer it as part of the standard policy.
Home emergency cover typically covers events such as your boiler breaking down, blocked drains or electrical failure. An engineer or electrician will visit, and their work will be paid for by the insurer. It’s different from a standard home insurance policy which only covers damage to your home and belongings. As well as paying for repairs, some policies will also provide for alternative accommodation if an emergency means your home is uninhabitable for a period of time. Each policy also sets out how quickly the insurer will respond to an emergency. Most have a 24-hour helpline, but this doesn’t necessarily mean tradesmen will attend your home around the clock.
Do You Need it?
Before spending a large amount of your time looking for the perfect deal on the perfect home emergency cover plan, you might want to check if your current home insurance policy covers emergency situations. Some homeowners may have home emergencies included as part of their home insurance policy or allow you to add extras based on the cover you need. However, even so, it may still be worth researching other standalone home emergency cover plans as you may find yourself with a better deal.
What does it cover?
Most home emergency cover plans will provide you with cover for a variety of different faults that can occur inside the home. This is usually presented as a tier list, with the higher tier packages containing more cover. Here is what is usually mentioned with a tier list:
Plumbing & Drainage
Home Emergency plans usually include plumbing and drainage as part of their initial or basic tier. This includes blocked or burst pipes, toilets (if broken and you haven’t got another in the property), showers (If a serious leak occurs) and stopcocks (if it’s within the property).
You will be covered if you suffer an electrical failure that means your home is uninhabitable. This could include the wiring to your lighting or boilers failing, or if the permanent electrical supply to your home fails. Most policies will not cover any wiring outside your home, or any temporary electrical wiring.
With a 24|7 Home Rescue cover plan this is inclusive of:
- Emergencies caused by a fault to the domestic writing.
- Fuse box Breakdowns
- Loss of power to the circuits
You can call on emergency assistance if the security of your home is compromised, such as a broken window or broken locks to the property. Some home emergency cover providers may assist you in gaining access to your property when you have lost of misplaced your keys.
Most providers will pay for an exterminator to visit the affected property in the event of a:
- Wasp or hornet infestation
- Mouse or rat infestation
You should make sure to read the cover documentations before the purchase of a plan as not all home emergency cover plans will accommodate for pet infestations.
As we all know by now, Home emergency cover is quite possibly the most important aspect of owning a home. That being said, finding one that correctly suits your needs is a particularly difficult task as there are so many different providers of home emergency cover and insurance. After checking if your current insurance policy allows the addition of home emergency an important factor to consider s what each cover plan offer as part of their tier list.
Here at 24|7 Home Rescue we offer a Home emergency cover plan starting from only £4 per month, as opposed to the £13 most other providers quote. This will get you more than the average level of cover for less than the average price.