A Guide to Home Emergencies Covered by Your Policy

A Guide to Home Emergencies Covered by Your Policy
As a homeowner, it is vital to have adequate home emergency cover to protect your property and your family from unexpected emergencies. But what exactly counts as a home emergency? 

This article will give you an overview of the most common home emergencies and what you should look for in your home emergency cover. Read on to decide if getting this kind of insurance suits you. 

What Is a Home Emergency Cover?

Home emergency cover is a type of insurance policy that provides rapid assistance in the event of an emergency in your home. This cover can vary depending on the provider but typically includes emergency repairs, temporary accommodation, and the cost of sourcing and hiring emergency tradespeople.

What Counts as a Home Emergency?

1. Burst Pipes and Water Leaks

One of the most common home emergencies is a burst pipe or water leak. These can occur for various reasons, such as freezing temperatures, ageing pipes, or accidental damage.

Home emergency cover should include an immediate response from a plumber to fix the issue. They will also be able to provide temporary accommodation, if necessary, such as a hotel or rental property, to ensure that you and your family are safe and secure while the issue is being resolved.

2. Boiler Breakdown

When it breaks down, trying to fix it yourself can be tempting. However, boilers are complex appliances that require the expertise of a qualified heating engineer. Attempting to fix it yourself can lead to further damage, which can be expensive to repair. 

During these situations, it is important to have a reliable home emergency cover to ensure that you have access to a qualified heating engineer who can quickly repair or replace your boiler.

3. Electrical Failure

When it comes to electrical emergencies, time is of the essence. Faulty wiring, malfunctioning appliances, and electrical surges can cause serious damage to your home and put you and your family's safety at risk. That's why you need access to an electrician who can diagnose and repair faults immediately.

One of the most significant advantages of having home emergency cover is that you can get help promptly.

4. Pest Infestations

Pests can be a nightmare for any homeowner or renter. Besides the fact that they harm your property, however they can also pose a serious health risk. That's why it's essential to have home emergency cover that includes access to a pest control expert.

A pest control expert will be able to identify the type of pest and the severity of the infestation and develop a plan to eliminate the pests and prevent them from returning.

5. Security Breaches

A security breach can take many forms, from a break-in to a lost key or even a damaged lock. Regardless of the cause, the result is the same: you are left with a compromised security system that must be fixed immediately. This is where home emergency insurance comes in. 

Having access to a locksmith as part of your home emergency cover ensures that your property is secured and any necessary repairs are made quickly and efficiently.

6. Gas Leaks

Gas leaks can be dangerous, potentially causing explosions or carbon monoxide poisoning. Home emergency cover should include access to a Gas Safe engineer to diagnose and repair issues promptly.


Home emergency cover for homeowners will provide peace of mind and protection. By understanding what counts as a home emergency and what to look for in your home emergency cover, you can ensure that you and your family are safe and sound.

Get home emergency cover from Smart Cover. We'll provide you with the right insurance cover that suits your needs. We've got you; get a quote from us today!