Is Emergency Home Cover Worth It?

Home emergencies can strike unexpectedly, causing inconvenience. To mitigate the impact many homeowners consider purchasing emergency home cover.

Home emergencies can strike unexpectedly, causing inconvenience. To mitigate the impact of such situations, many homeowners consider purchasing emergency home cover. This specialised insurance provides assistance in case of emergencies like boiler breakdowns, plumbing issues, electrical faults, or home security breaches.

However, the question remains: is emergency home cover worth it? In this blog, we will explore the benefits and considerations of emergency home cover, helping you make a decision about whether it is a valuable investment for your home.

Coverage and Assistance

Emergency home cover typically includes a range of services and assistance to address sudden home emergencies. Here are some key aspects to consider:

a. 24/7 Helpline: Most emergency home cover policies provide access to a helpline staffed by professionals who can provide guidance and assistance in emergency situations. Having a reliable point of contact can offer peace of mind and a swift response when needed.

b. Emergency Repairs: Depending on the policy, emergency home cover can provide coverage for essential repairs, such as boiler breakdowns, plumbing leaks, electrical faults, or security breaches. This coverage can save you from unexpected and potentially high repair costs.

c. Alternative Accommodation: In the event of a major home emergency, some policies may offer coverage for temporary accommodation while your home is being repaired. This can be especially valuable if your home becomes uninhabitable due to an emergency.

Peace of Mind

One of the intangible yet valuable aspects of having emergency home cover is the peace of mind it brings. Consider the following:

a. Prompt Response: Home emergencies can be stressful and disruptive. With emergency home cover, you have the assurance that help is just a phone call away. Knowing that you have access to professionals who can assist you promptly can alleviate anxiety during these challenging situations.

b. Convenience and Efficiency: Emergency home cover streamlines the process of dealing with emergencies. Instead of searching for reliable tradespeople or trying to navigate complex repair procedures, you can rely on the expertise and resources provided by your policy. This convenience and efficiency can save you time and effort.

c. Support and Expertise: Dealing with home emergencies can be overwhelming, especially if you lack knowledge or experience in handling such situations. Emergency home cover often comes with access to experienced professionals who can offer guidance and expertise. Their support can help you navigate the process, making it less stressful and more manageable.

Considerations and Limitations

While emergency home cover offers valuable benefits, it is important to consider certain factors and limitations before making a decision. Here are a few points to keep in mind:

a. Policy Coverage and Exclusions: Carefully review the policy coverage and exclusions to understand what emergencies are covered and any specific conditions or limitations. Policies can vary, and it's important to choose one that aligns with your needs and provides the coverage you require.

b. Cost-Benefit Analysis: Evaluate the cost of the emergency home cover against the potential savings and benefits it offers. Consider the likelihood of encountering emergencies and the associated expenses without coverage. This cost-benefit analysis can help you determine if the investment is worthwhile for your circumstances.

c. Home Condition and Age: The condition and age of your home can impact the likelihood of encountering emergencies. Older properties or homes with outdated systems may be more prone to breakdowns or faults, making emergency home cover more beneficial.

d. Existing Home Insurance: Review your existing home insurance policy to determine if it already includes some coverage for emergencies. Some home insurance policies offer optional add-ons or enhanced coverage that may overlap with emergency home cover. Avoid duplicate coverage to make the most efficient use of your insurance budget.


Emergency home cover can provide valuable assistance, and peace of mind in the face of unexpected home emergencies. By offering access to 24/7 helplines, coverage for repairs, and peace of mind, emergency home cover can be a worthwhile investment for homeowners. However, it's essential to carefully review policy coverage, consider the cost-benefit analysis, and assess the condition of your home before making a decision.

Ultimately, the decision to invest in emergency home cover depends on your individual circumstances, risk tolerance, and budget. By understanding the benefits, limitations, and considerations associated with emergency home cover, you can make an informed choice that aligns with your needs and provides the necessary protection and support in times of home emergencies.

Get a home emergency insurance quote now.