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Home Emergency Cover

Home Emergency Cover

Home Emergency Cover — Fast Help When You Need It Most

Burst pipes, broken boilers, electrical faults, lost keys: when a home emergency happens, you need it fixed fast. UK Sure Home Emergency Cover gets a vetted tradesperson to your door and pays for the call-out and emergency repair, so you're not caught out by an unexpected bill.

Cover includes plumbing failures, electrical faults, complete boiler and central heating breakdowns, pest infestations, lost keys, security repairs after a break-in, and storm damage to roofs. It's designed to sit alongside your home insurance — your insurer pays for what's damaged by the emergency, and your home emergency cover pays for the emergency call-out itself.

Get a quote online or call us on 01323 416706.

Why Our Home Emergency Cover

1. Plumbing emergencies including burst pipes
2. Electrical wiring faults
3. Complete boiler and heating system breakdowns
4. Pest infestations (covered pests)
5. Lost keys and lock-outs
6. Security repairs after a break-in
7. Storm damage to roofs

What's NOT Covered

1. Issues you knew about before the policy started
2. Routine maintenance of covered items
3. Properties left unoccupied for 60+ consecutive days
4. Leaks from household appliances (plumbing cover)
5. Boiler breakdowns inside the manufacturer's warranty period
6. Non-covered pests (ants, fleas, bedbugs, spiders, etc.)
7. Lost keys when a spare set exists
8. Repairs done without claims-administrator authorisation

Key Features of Our Home Emergency Cover

When a home emergency happens, every hour without heat, water, or a secure front door costs you. Home emergency cover gets a vetted tradesperson to your property fast and pays for the call-out and the repair itself.

Vetted tradesperson dispatched fast
Call-out and repair costs included
Plumbing, electrics, boiler, and heating cover
Pest infestation and lost-key cover
Roof storm-damage cover included
Stand-alone or as a home insurance add-on
Home Emergency Cover key features
● DETAILS

Additional Home Emergency Cover Details

Our policy covers you for a wide array of home emergency repairs

Burst pipes, broken boiler, electrical damage: when a home emergency happens, you need it fixed - fast! But emergency repairs can be costly. With UK Sure Home Emergency Insurance, you can quickly get your home back in order!

The event must occur after the start date and before the end date of your policy.

Pest infestation for non-covered pests (including but not limited to, ants, fleas, bedbugs, spiders, flies, squirrels, and bees)

  • Our policycovers youfor a wide array of home emergency repairs, including:
  • Our policydoesn’t cover:
  • Issues known to you when you took out the policy
  • Routine maintenance of items covered
  • If your home is left unoccupied for 60+ consecutive days
  • With plumbing cover, we don’t include leaks from household appliances
  • Emergency boiler cover is only valid after your manufacturing warranty has expired

Loss of your keys if another set exists

Any work carried out by you or any other person which was not authorized by the claims administrator

  • House owners who live in the UK
  • Your main residence only
  • Renters, landlords, or second homes
  • Anyone who already has home emergency cover included as part of another policy
  • Unoccupied properties up to 59 days
● FAQS

Frequently asked questions

1. What is home emergency cover?

Home emergency cover pays for the cost of call-out fees and the emergency repair when something in your home fails unexpectedly — a burst pipe, a broken boiler, an electrical fault, a break-in. It's separate from home insurance, which covers any damage caused by the emergency. Many customers buy both.

2. Is home emergency cover worth it?

If a single boiler call-out can run £150-£300 and a full breakdown into the thousands, home emergency cover pays for itself the first time you use it. It's especially worth having if your boiler is older, you have an older property, or you'd struggle to find a tradesperson at short notice.

3. Does home insurance include home emergency cover?

Some home insurance policies include basic home emergency cover; many do not. Check your existing policy schedule before buying separately. We can quote home emergency cover as a stand-alone policy or as an add-on to a UK Sure home insurance policy.

4. Who is home emergency cover suitable for?

Homeowners over 18 living in the UK in their main residence. Properties unoccupied for up to 59 consecutive days are still covered. Renters, landlords, and second-home owners need a different product.

5. What does it cost?

Premiums vary based on the level of cover and your property. Call 01323 416706 or request a quote online and our UK team will call you back within 30 minutes with options.

6. Is a home emergency cover worth it?

I would recommend self-insuring for your home emergency cover. Just pay the premium you would be pay into a savings account. After just three months you will have most of the money you need to deal with smaller emergencies, and you can continue to save for large eventualities such as needing a new boiler or a new roof.

7. What is the home emergency cover in the UK?

Home emergency cover will pay for the cost of call-out fees and emergency repairs, but it won't cover any damage caused by the emergency itself. So, if a water leak has ruined your kitchen floor, you'll need to claim for the floor damage separately on your home insurance policy.

8. What insurance do you need for your home?

Buildings insurance covers the cost of rebuilding your home if it's damaged or destroyed. It's usually compulsory if you're planning to buy your home with a mortgage and you may not be able to get one unless you take out buildings insurance.

9. What is a household emergency plan?

An emergency and evacuation plan will ensure everyone in your household knows exactly what to do if the worst happens. You might want to involve your neighbours in developing your plan - neighbours who are elderly or have special needs may need your assistance.

10. Is a blocked toilet covered by insurance?

Home insurance can pay out for damage caused by a blocked drain – but it will depend on the cause. For example, if the blockage or damage is caused by tree roots growing into the piping or other types of accidental damage, then you should be covered.