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Home emergency cover

  • Protect your property with home emergency cover
  • Helps to provide financial and repair cover for an unexpected problem at your home
Get A Quote Call Us On 345 111 0680

  • Cover in more than
20 countries

  • Over 20 years of holiday
home expertise

  • 24hr emergency
claims helpline

  • Cover for unoccupied
properties included

What Is Home Emergency Cover?

Home emergency cover helps protect you if there’s an emergency at your house. For example, if your boiler breaks, pipes burst, or an electrical failure occurs. This type of policy won’t cover repairing damages caused by the emergency but will help provide cover for the cost of call-out fees and repairs.

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What’s Covered By Home Emergency Insurance?

Forking out for home emergencies can be costly. Did you know boiler repairs can cost upwards of £400? That’s why emergency house cover can offer up to £1000 per claim. This can include cover for VAT, call-out, labour, parts and materials, and emergency temporary repairs.

The types of issues covered include:

  • Main Heating System
  • Plumbing and Drainage
  • Home security
  • Toilet unit
  • Domestic Power supply
  • Lost Keys
  • Vermin infestation

If your home becomes uninhabitable, you’ll also have £1,000 cover for alternative housing. Plus, up to £250 towards a replacement boiler or heating system if it’s not repairable.

Our Partners

Intasure works with an established partner to provide flexible insurance options.

What Are The Restrictions On Home Emergency Cover?

You won’t be able to claim on a new policy for the first 14 days unless you’re renewing an existing one. You can’t claim if your property is unoccupied for over 30 days. We also can’t guarantee that replacement parts can be supplied like-for-like.

What Our Customers Say About Us

Excellent
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Based on 148 reviews

Do I Need Home Emergency Cover?

Legally, you don’t need home emergency cover. But if you fall into one of the categories below, it could be wise to keep it in mind.

  • Homeowners

    As a homeowner, home emergency cover helps protect you if there's a costly problem at your home. Without it, you may have to pay for pricey repairs, such as electrical failures or plumbing problems. Plus, it often means a professional is on hand to solve sudden issues.

  • Landlords

    Being a landlord can be an unpredictable business. If there's a problem, you may not be at the property to sort it. Even if you are or live nearby, it can be costly to fix something like a boiler or damage caused by one of your tenants. Home emergency insurance helps offer financial cover and professional repairs, helping reduce costs and stress.

  • Holiday homeowners

    Likewise, holiday homeowners are likely to spend periods of the year away from their property. Home emergency cover can offer remote property management services and help to ensure issues are dealt with when you’re not around. It often also means that repairs and damage can be dealt with quickly, so guests can enjoy your property with minimal interruption.

  • Renters

    You don’t need home emergency cover if you’re a tenant. That’s because it’s your landlord’s responsibility to sort out a problem if there’s a home emergency. Landlords can add it to their cover or buy a specialist policy.

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How Do You Get Home Emergency Cover?

Home emergency cover can be added to your home insurance policy at Intasure. To get a home emergency cover quote, please provide us with information on yourself, your property and the level of protection you need.

What Types Of Property Insurance Do We Offer?

Why Choose Intasure For Home Emergency Cover?

Our UK-based team is on hand to help you find home emergency cover for your property. If you need to make a claim, you can depend on our friendly in-house team to handle your request quickly and politely.

Change your mind? It happens. That’s why we don’t add any admin fees in the event of a cancellation. It’s because of service like this that 95% of our customers recommend us on Reviews.co.uk.

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FAQs

  • Is it worth paying for home emergency cover?

    Home emergency cover isn’t a legal must-have, but it can be a valuable extra added to a home insurance policy. It helps gives you peace of mind if the unexpected happens. Without it, you may have to call out a technician to resolve an issue, which can be expensive.

  • What is classed as a home emergency?

    A home emergency is an issue that:

    • Makes your home uninhabitable or unsafe
    • Causes permanent damage to your home
    • Puts your health and well-being at risk

  • How do we prevent home emergencies?

    The first defence against property emergencies starts at your home. Make your home less prone to home emergency claims by:

    • Ensuring it’s adequately maintained
    • Make sure your heating system adheres to the manufacturer’s instructions
    • Prevent blocked drains
    • Insulate pipes
    • Bleed your radiators
    • Don’t overload sockets
    • Keep your gutters clear
    • Equip your home with security devices, such as burglar alarms and CCTV systems

  • What’s not covered by home emergency cover?

    Sometimes, home emergency insurance won’t cover you in case of a claim. Look at the below and see if they apply to your home.

    • Shared water and drainage facilities
    • Boilers with an output of over 60Kw/hr
    • Replacing water tanks, radiators, shower units, sanitary ware, flexible hoses, cesspits and septic tanks
    • Detached outbuildings and garages
    • Poor maintenance and wear and tear
    • Cost of trace and access
    • Reinstatement following repair
    • Routine day-to-day maintenance
    • Boilers over ten years old
    • Issues existing before you purchase the policy

Policy Documents

View and download policy documentation

Policy Documents

Specialist Second Home Insurance From Intasure

Need Help?
Call us on 0345 111 0680

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