Home Emergency Cover - 24/7 - 365 Days


Boiler, heating & plumbing care with a

Price Match Promise

Smart Cover offers a price match promise and will match a competing offer if you find the same level of cover elsewhere. Home emergency policies cover callouts to make emergency repairs if something goes wrong in your home, such as the electrics, boiler or plumbing.

Drains and Waste Pipes

Our plumbing & drainage insurance covers a wide range of problems including broken pipes, water supply and blocked drains.

Central Heating

Our cover includes breakdown of central heating system and its associated pipework.

Boiler Insurance

A boiler is an important part of any home. An unexpected boiler breakdown can result in very costly repairs. Save money, time and protection with Smart Cover’s 5 Star Rated Home Emegency Insurance.

Lost Keys

Lost your House keys? Our insurance policy gives assistance in gaining access to your property and protecting your home.


Our insurance policies cover total emergency breakdown of your electricity supply.

Switch to Annually



Per Month



Per Month



Per Month



Per Month
Excess £0 £25 £0 £25 £39 £0 £25 £50 £0 £25 £50
0 25
0 25 39
0 25 50
0 25 50
Annual claim limit up to £1000 £1000 £2500 £5000
External Locks
Doors & Windows
Blocked pipes
Lost Keys
Central Heating Cover
Boiler Breakdown
Alternative Accommodation
Boiler Service

What is home emergency cover?

Home emergency cover allows you to relax with the knowledge that you will get professional help if you experience an emergency in your home.

Home emergency cover
at a competitive price

Smart Cover’s goal is to provide our customers with peace of mind through an efficient insurance process and attentive customer service. Winner’s of the 2019 Broker Innovation Awards, we are committed to providing quality home emergency cover and achieving high levels of customer satisfaction.


  • Annual claim limit up to £5000.
  • Cover the cost of emergency repair.
  • Technical support.
  • Parts and labours included.
  • Nationwide engineers.
  • Rapid Engineer Response.
  • UK based customer service.
  • We cover emergencies related to Plumbing, Drainage, Electricity, Security, Boiler and Central Heating.
  • Benefits vary based on cover levels, please refer to the comparison chart above.
  • General maintenance work.
  • Any event which is not an emergency.
  • Any leak which does not cause damage to the property.
  • A central heating boiler which has not been serviced within the 12 months prior to the breakdown.

Frequently asked questions

A home emergency is an emergency which renders your house unsafe or inesecure. Please see our Terms & Conditions for more details.

Under our home emergency policies, the claim limits per claim differ. See the price table above. For example, the Home Emergency Premium package has a claim limit of £1000 per claim with an annual claim limit to a maximum of £5000.

Under our basic home emergency cover, boiler breakdown and central heating are not covered. Our standard, essential and premium home emergency policies differ only on the monetary claim limit. Please see the above chart for more details.

If it is necessary for an engineer to attend your property, a member of staff from our Home Emergency Team will get an approved engineer out to you as soon as is reasonably possible.

Parts & labour included Parts & Labours Incl.
24hr Emergency line 24hr Emergency Line
Rapid Claim Process Rapid Claim Process
UK Based Customer Care UK Based Customer Care