Boiler and central heating cover is supposed to give you peace of mind that-if there’s a problem with your home heating-it'll be resolved as quickly as possible without the need for you to do a lot of leg work phoning local plumbers and heating engineers.f you have home insurance, check your policy carefully. Some policies do include boiler breakdown and home heating insurance, although you might have to pay a greater excess and the level of cover provided might not be as high as with a specific boiler policy.