Insurers aren't the most forthcoming with the intricate details regarding home emergency cover that is included with their home insurance products. If the firm insuring your house does state some form of protection for home emergencies such as plumbing problems, electrical failures or boiler breakdowns then have a good read through your policy to see what is actually included paying special attention to the excesses charged for call outs and repairs as well as the claim limits. If your cover is not as inclusive as you'd like it to be, don't fret, there are various separate products to cover either individual items or general protection from events not covered by your house insurance. Compare Insurance Quotes >>

Homeserve Home Emergency
Concentrating on the specialist market of home emergency cover, Homeserve isn't your typical insurance company. Indeed, it started life in 1993 as a joint venture between South Staffordshire Water and Richard Harpin Fastfix with the specific aim of plugging ... » Get a Quote


One thing that should be made clearer by insurers when selling home emergency products is which items are not covered by the policy. For example, many providers do not insure oil central heating at all. Another concern that you should be aware of is the claims procedure - you would expect that the person insuring you for home emergencies would have a list of tradesmen that they send out within 24 hours of you reporting a problem. Maybe in some parts of the country like London but certainly not everywhere and with some cover providers you can find yourself at the mercy of the Yellow Pages and forking out the money yourself before claiming it back from the insurer. Ask in no uncertain terms how your cover provider works in your particular part of the UK before agreeing to anything. †