Home Emergency Cover Protection Plans | Smart Cover Insurance

Home Emergency Cover 24/7

Protection plans for heating, plumbing, electrics, boiler and much more...


Relax! Cover for a wide range
of home emergencies!

Home Emergency Cover plans are designed to get an engineer to attend your emergency as soon as possible. We cover your home for multiple emergencies - whether your central heating decides to pack up on a cold winter’s night, or a serious water leak threatens to cause water damage to your home.
We are here to get it fixed.


BENEFITS
Home Emergency 
Basic
Home 
Emergency 
Essential
Home
Emergency Essential+
Home Emergency 
Premium 
Home
Emergency Premium+

Claim Limit

£250

£500

£500

£1000

£1000

Excess

£25

£50

£50

£50

£50

Plumbing

Electrical

External Locks, doors & Windows

Blocked Pipes

Pests

Lost Keys

Central Heating Cover

Boiler Breakdown

Alternative Accomodation

Roofing

Annual Boiler Service

What is Covered

What is Not Covered

T&C's

IPID

BENEFITS
Home Emergency 
Basic

Claim Limit

£250

Excess

£25

Plumbing

Electrical

External Locks, doors & Windows

Blocked Pipes

Pests

Lost Keys

Central Heating Cover

Boiler Breakdown

Alternative Accomodation

Roofing

Annual Boiler Service

What is Covered

What is Not Covered

T&C's

BENEFITS
Home 
Emergency 
Essential

Claim Limit

£500

Excess

£50

Plumbing

Electrical

External Locks, doors & Windows

Blocked Pipes

Pests

Lost Keys

Central Heating Cover

Boiler Breakdown

Alternative Accomodation

Roofing

Annual Boiler Service

What is Covered

What is Not Covered

T&C's

BENEFITS
Home
Emergency Essential +

Claim Limit

£500

Excess

£50

Plumbing

Electrical

External Locks, doors & Windows

Blocked Pipes

Pests

Lost Keys

Central Heating Cover

Boiler Breakdown

Alternative Accomodation

Roofing

Annual Boiler Service

What is Covered

What is Not Covered

T&C's

BENEFITS
Home Emergency 
Premium 24/7

Claim Limit

£1000

Excess

£50

Plumbing

Electrical

External Locks, doors & Windows

Blocked Pipes

Pests

Lost Keys

Central Heating Cover

Boiler Breakdown

Alternative Accomodation

Roofing

Annual Boiler Service

What is Covered

What is Not Covered

T&C's

BENEFITS
Home
Emergency Premium+

Claim Limit

£1000

Excess

£50

Plumbing

Electrical

External Locks, doors & Windows

Blocked Pipes

Pests

Lost Keys

Central Heating Cover

Boiler Breakdown

Alternative Accomodation

Roofing

Annual Boiler Service

What is Covered

What is Not Covered

T&C's

All plans come with the following Home Emergency Benefits

  • 24hr claims line
  • ​Unlimited number of claims.
  • ​Unlimited number of call outs.
  • ​UK-wide audited and monitored contractor network.
  • ​Fast emergency response.
  • No fees, penalties or hidden charges.