26th November 2019
26th November 2019
When you hear or read the words ‘home cover’, you will probably be thinking about home insurance in the traditional sense that protects your buildings and contents. However, home cover or home emergency cover protects against damage to specific areas of your home like drains, electrics and plumbing.
Home cover or home emergency cover protects your boiler, central heating, drains, electrics and plumbing against blockages, malfunctions and leaks. Like all household cover, it takes the worry out of faults developing in the major areas within your home.
Some traditional home insurance policies offer home emergency insurance as an additional insurance benefit. Whilst this may appear to be the easiest option (using one company and one policy), you should always check that the cost of the additional benefit is competitive. You can do this by comparing their home emergency insurance with bespoke home emergency cover packages on the market.
Another consideration is what happens if you make a claim? Does it affect the no-claims benefit on your entire home insurance policy? Claims on the individual home cover policy will only affect the cost of that policy.
Your home cover may be comprehensive but does it protect specific parts of your home? Just make sure you check for any exclusions before you sign up!
Some providers offer insured plans to look after your Boiler and Heating and other home services like plumbing, drains and electrics, whereas other providers offer non-insured plans. An insured plan will be underwritten by an insurer and also regulated by the [Financial Conduct Authority (FCA)](https://www.fca.org.uk/). Non-insured plans are not backed by an insurer and are not regulated by the FCA. Often non-insured or maintenance plans include an annual service of the equipment covered, whereas these may or may not be included in insured plans.
Home emergency cover includes more than just your boiler and central heating. You can expect home emergency cover to include the following:
The best home emergency cover should be competitive on price and offer you the option to pay monthly or annually. If a call-out fee is normally charged, there should be an option that excludes the call-out charge if you arrange a call-out, although this is often more expensive.
Home cover packages should include everything provided in boiler cover and central heating cover, with the addition of drains and waste pipes protection. Drains and waste pipe cover is usually for the repair and replacement of broken drains or pipework. Broken outside drain covers (as mentioned above) are normally not covered by home emergency cover. Most home emergency cover policies will also include protection for home electrics, which includes any blown fluses or repairs to circuits in your home.
Hometree offers a competitively priced and comprehensive home emergency care package for both homeowners and landlords. You will benefit from access to a 24/7 helpline and 24 hour call-outs.
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