Home emergency cover

When things go wrong, it’s good to know that you can count on Home Emergency cover to put it right

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What is home emergency cover?

Home emergency cover is often sold as an additional cover option that can be added to a house insurance policy. It typically provides access to a 24/7 helpline and is designed to insure against incidents like leaking pipes or loss of heating.

Here to help if you have an emergency at home

  • Home emergency insuranceBurst pipes
  • Roof damage
  • Removal of pests & vermin
  • Failure of water, gas or electricity supply

When the unexpected happens at home having the stress and hassle of sorting out the mess can be very traumatic. We want to be able to help. That’s why HomeProtect policies purchased after 2nd October 2014 include up to £600 of Home Emergency cover as standard.

You can opt to upgrade this cover to Full Home Emergency cover which includes increased total value claimable and increased cost of callouts, cover for your heating systems if they breakdown as well as providing you with alternative accommodation if your home becomes temporarily uninhabitable.


Get your quote online to see which Home Emergency cover product is right for you

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Cover Levels Basic Upgrade
Cost per month Included within your home insurance premium* Varies – depending on property type
Call out limit per policy £200 Varies – depending on property type
Total cover limit (per period of insurance) £600 Varies – depending on property type
Usage impacts No Claims bonus No No
Access to a 24/7 helpline Yes Yes
Burst pipes Yes Yes
Roof damage Yes Yes
Failure of water, gas or electricity supply Yes Yes
Emergency repairs to your heating system No Yes
Alternative accommodation No Yes

*Basic Home Emergency cover is included within your annual premium for home insurance policies purchased on or after 2nd October 2014 or policies renewing after 1st July 2015.

Delve into the detail

  • What’s covered, what’s not
  • How to purchase
  • How to claim
  • What excesses will I have to pay

Download the cover options booklet