What is a home emergency cover?
You cannot know when an emergency will happen at your home. It can be from heating failures up to drainage problems. Yes, you can get insurance to pay for the damage. However, it would not get your heating back or your plumbing works. So how can you prepare for this disasters?
A home emergency is designed to cover household perils. It gives householders access to a 24-hour emergency helpline and send their approved tradespeople out to your home quickly and fix the situation accurately. It will also cover all call-out cost, professional labor expenses, materials for repair and VAT. If you need alternative accommodation while the repairs are ongoing, they can also give temporary place to stay. Like an insurance policy, its level of coverage varies from policy to policy. Some covered two different household emergency while some can offer up to 11 and more services. But unlike an insurance policy, you would not need to pay for any excess. There is also no limit to the number of claims.
Here are some household emergency scenarios that could be cover:
● Broken locks, doors or windows
● Domestic power supply failure
● Central heating/cooling failure
● Boiler breakdown
● Roof leaks or damage
● Vermin or pests infestation
● Removal of wasp and hornet nests
What is not covered by a home emergency insurance?
It would not cover someone you just know. Also, be mindful of small details on the policy. Some would indicate age limits for boilers and heating systems. A home emergency cover could also be void if there is a condition that equipment like boiler and heating system have maintenance services annually and be properly maintained. But usually, you can claim for a cover as long as it fit with what your policy classes consider an emergency operation.
How fast will they arrive?
Response time also varies, some would promise to reach within few hours, and some would be within the day. It also depends on the problem.
Do you need a home emergency cover?
First, check your existing home insurance, some offer home emergency cover as standard part of their coverage but most offered it as an optional add-on or you can also buy a stand-alone home emergency cover if they do not provide one, but of course, the price differ, depending on the policy and if they are only for extras. It can also be one of your extra benefits you paid monthly for packaged bank account. Also, it is not worth paying something you do not need. If your water companies cover for your water supply for free and your appliances are still under warranty, then you probably do not need it at the moment. Your policy should also include prompt emergency service, or you might just call a local service provider before things get worse. So do check.