What Does Home Emergency Cover Include?
When you take out a home insurance policy, you’ll often be offered an optional add-on called home emergency cover.
It’s easy to gloss over this option when you’re in a hurry, but actually, it’s worth considering – after all, unforeseen emergencies are always a possibility, and it’s nice to have a little extra peace of mind if possible.
Hold on – but what does home emergency cover actually include?
Home emergency cover does more or less what it says on the tin: covers you in the event of a home emergency.
For instance, if your boiler breaks down and you suddenly find yourself without any hot water or central heating, your home emergency cover will pay for a heating engineer to visit your home and get everything fixed right away.
Sounds good. So what types of emergency does this actually cover?
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If any of the above incidents leave you unable to inhabit your home, your home emergency cover will even provide you with up to £250 towards the cost of overnight accommodation.
Great! And all I have to do is add this on when I take out home insurance?
Well, that may not be your best option. Many home insurers offer home emergency cover as an add-on (allowing you to simply add HEC to your main policy), but generally speaking, you’ll get a much better deal if you buy elsewhere.
So why wait until your current policy expires to invest in home emergency cover?