Is Home Emergency Cover Worth It?

Is Home Emergency Cover Worth It

In this post, I will be answering your question of is home emergency cover worth it so read on…

So, you’re thinking about getting home emergency cover? You are not alone. In the UK it is becoming more common for people to invest in this type of insurance coverage because accidents happen every day and can lead to costly repairs-and that’s before you take into account the emotional toll an accident might take on your family.

If you want peace of mind at home then read our blog post for potential tips and advice on how to decide if the home emergency cover is worth buying in the UK.

What is Home Emergency Cover?

Home emergency cover is an insurance product that covers the cost of replacing essential items should you be faced with a sudden repair to your home. Typically these coverages are written as an endorsement on your homeowners’ policy and can include expenses for things like electrical repairs, plumbing emergencies, gas leaks or damage caused by burst pipes.  

What’s Covered?

Typically coverage is provided for wiring, heating and cooling systems, water supply lines (including those leading to refrigerators), appliances hooked up to electricity (such as stoves), floors and ceilings, walls and other structural components of the home. Home emergency cover will not typically reimburse you for any pre-existing problems with your house or any damages which you cause yourself without permission from your insurer.

The premiums are usually determined by the amount of coverage that you want and the deductible options that you select.

When working out your premiums it’s important to consider how likely it is that you will need to make a claim under your home emergency cover policy and what types of problems seem to occur in your area.

If there are known problems with burst pipes in the winter months, for example, this might be considered a higher risk situation than an area where such things don’t usually happen.

What Does It Cost ?

Typically insurance companies offer very competitive rates on home emergency cover policies, probably because they know that people who buy them aren’t always aware of the cover provided by their homeowners’ policy.

For example, Nationwide’s home emergency cover costs just £11.50 for £15,000 worth of coverage. Additional coverage can be purchased in multiples of £5,000 with a total limit of £150,000. There is no maximum age restriction for this product although there are benefits available that are based on your age.    

Check Out the latest rates at the following providers:

How To Buy Home Emergency Cover?

The best way to buy insurance is through an independent broker because you will get impartial advice about your options and what would work best for your particular situation instead of simply following the lead of the salesperson who happens to work at the company you already use (which puts you at risk if they give misleading answers in order to make a sale).

There are hundreds of insurance companies, many of which offer competitive rates on the home emergency cover and all you have to do is find the one that’s right for you!

Is Home Emergency Cover Worth It?

Do you want to know whether the home emergency cover is worth it in the UK? The answer will surprise you.

It’s a question that many people ask themselves when they start looking for insurance, and it can be hard to find an unbiased opinion on the subject. After all, every company selling home emergency cover has its own agenda. But if you dig deep enough, you’ll discover some surprising truths about what makes this type of insurance so valuable—and why it might not be right for your needs after all.

The truth is that there are certain situations where home emergency cover will prove invaluable to your family—but not everyone should buy this type of coverage just because they think “it doesn’t cost very much.”

Do You Need Home Emergency Cover?

Let’s start by taking a look at what this type of insurance entails and whether you really need it. Home emergency cover is an umbrella policy that provides coverage for single incidents such as your house burning down or being damaged in a storm or multiple incidents such as losing household appliances to electrical fires or floods.

It also covers the cost of replacement locks and keys if burglars take them and replace them with copies so they can get back into the property later on.

When you consider all the different things that could go wrong around your property, a home emergency cover sounds like a very valuable thing to have.

And it would be—except for one serious problem: it’s often significantly more expensive than the premiums for individual policies that cover specific areas of potential risk.

You Can Save Money by Asking Questions

Many homeowners don’t even realize they can save money on the home emergency cover by asking their insurer simple questions about what’s covered and what isn’t. For example, if your house is damaged in a storm, how much will it cost to replace or repair it? How much coverage do you have?

What happens if you need to replace an entire room rather than just repairing it?

When you look at the actual costs versus the amount of coverage you get with different policy options, you may find that buying comprehensive home emergency cover is overkill…and far too costly compared to a homeowner’s policy that covers fire and theft.

The Power of Combination

You might also find it cheaper to buy a combination homeowner’s policy, which includes both home emergency cover and coverage for perils such as wind damage from storms, earthquakes, fires, theft and vandalism, but rarely floods or earthquakes.

Although this type of insurance provides the most complete coverage possible against anything that could go wrong at your property, there are still some exclusions. You may want to discuss what you can do if your claim is rejected because of one of these restrictions.

Keep in mind that whatever kind of insurance you purchase, you may need more than just home emergency cover: you should also consider adding an umbrella liability policy. If you have assets, including a home equity line of credit or other loans on the property, someone who is injured on your property could sue you for damages above whatever coverage you have.

An umbrella policy provides additional liability protection up to an agreed-upon limit.

Whether you choose combination homeowner’s insurance with attached emergency cover, single policies that combine different sorts of coverage into one package or individual plans that protect specific areas of potential risk around your property, there are lots of ways to purchase affordable insurance that will give you peace of mind without breaking the bank.

It’s time to compare quotes from several companies before deciding what works best for your family’s needs—and what doesn’t work at all.

How important is home emergency cover?

Home Emergency Cover is an umbrella policy that provides coverage for single incidents such as your house burning down or being damaged in a storm or multiple incidents such as losing household appliances to electrical fires or floods.

It also covers the cost of replacement locks and keys if burglars take them and replace them with copies so they can get back into the property later on.

The importance of home emergency cover can be assessed from the fact that it covers household appliances damage, burglary and replacement lock cost.

Do you have to pay excess on the home emergency cover?

Paying excess on the home emergency cover is like paying the deductible on other policies. The excess should be determined after comparing the premium of different companies providing Home Emergency Cover to their clients.

Home Emergency Cover is just like any other policy that provides coverage for loss or damage caused due to perils mentioned in the policy declaration. However, there are some exclusions to these types of policies. One needs to check that whether all risks are insured or not under the insurance plan before purchasing it. Home Emergency Cover does not cover flood and earthquake losses. Some exclusions can be found in fine print so make sure you read it very carefully before signing the contract with your insurer.

Home Emergency Cover also does not provide protection against events such as war, nuclear accidents, terrorist activities and acts of God.

Is Home Emergency Cover Worth It

Does home emergency cover roof leaks?

Roof leaks under home emergency cover are also covered by the insurer. Roof leaks are not always caused due to storms or other weather-related events mentioned in the policy. They may be due to poor choice of location there are chances that the roof may leak for many years without any damage or losses.

Home Emergency Cover does provide coverage for roof leaks, but only when they are a result of an event that is named in the policy. For instance, if strong winds cause your roof to leak and this results in water seeping into your living room below, then you would have coverage under home emergency cover. However, if it rains hard for days at a time and you notice water seepage inside your house below the level of the roof, then this would not be covered because it is not due to a named event.

The exclusions are designed into the policy for your protection, so it is worth taking the time to go through them before signing on the dotted line.


You may be able to save money by not purchasing a home emergency cover. The more you know about the policy, the more likely it is that you will understand if this is a worthwhile expense for your family. It’s worth researching first!

References: Home emergency cover – is it worth it?

Noah Burns

I am Noah Burns- I love to experiment and test new products with an aim to create informative contents for readers like you. It is my aim to make this site a leading source of information and reviews to help consumers make more informed buying decisions.

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