Home & Garden

Why You Should Take Out Home Emergency Cover

A photo of a small white house - Why You Should Take Out Home Emergency Cover - Mrs H's favourite things

This is a collaborative post.

Your home should be the one place on earth where you feel the most comfortable and relaxed. Being proud of your home and keeping it well maintained is a must for many homeowners. However, from time to time, there can be problems that arise, such as burst pipes or roof damage, which can have a devastating impact on your property.

Being protected in situations like these can make all the difference and give you peace of mind, therefore it’s important that you consider taking out home emergency cover. While you may have household contents insurance which will be there to foot the bill for any fires, thefts, or flooding, it’s likely that it won’t be able to get your heating back or fix a burst pipe. With that in mind, here is an in-depth look into what home emergency cover is, and how it can benefit you.

Why You Should Take Out Home Emergency Cover

Understanding Home Emergency Cover

If a problem occurs in your home and you need urgent assistance, having home emergency cover can really save the day. If you opt for home emergency cover, you will be given a number that you can call should something go wrong. Once you’ve made contact, your insurer will send out an appointed tradesperson out to your house to rectify the problem. Known as an extra that you can add on to your policy, home emergency cover can give you peace of mind and keep you protected for times when you need it most. What’s more, many insurers already provide cover in their policies.

Types Of Coverage

There are a range of scenarios that home emergency cover will protect you from. These include damage to your roof, internal drainage and plumbing, faulty heating, your boiler breaking down, as well as electricity supply. There may be additional things that your insurers provide such as pest infestation, appliance breakdown, as well as alternative accommodation should you need to temporarily vacate your property.

Amount Of Coverage

When having home emergency insurance in place, this tends to pay for all callout costs, labour, parts, and VAT (however, this will be up to a fixed limit). Depending on the home emergency policy you take out, you will find that the coverage will vary. While some will provide unlimited cover, others will require you to pay a certain amount, or place a limit on the number of callouts you can make. Before you decide on the best home emergency cover, it’s best to compare providers, as well as ensure that the policy covers your boiler and burst pipes.

Response Rate

When a home emergency strikes, it’s only normal that you will want help to be with you straight away, therefore, picking the right provider can make all the difference. As response times can vary, it’s best to do your research first. Some providers aim to respond to your problem within a matter of hours, whereas others may take longer. You may find it easier to call out a local tradesperson instead, especially if your policy doesn’t give you a guaranteed response time. However, the costs you pay will not be met by your policy, but if you need urgent help, it may be the only option you have.

Check If You’re Already Covered

Before making the mistake of paying out twice, make sure that you check whether you’re already covered first. There are some insurers who provide home emergency cover as standard in their policy. If you have water supply pipe cover, you may find that some water companies fix these issues for you for free, meaning that you don’t need to pay out for something you do not need. Another example is if you have a problem with an appliance, but you find out that you’re already covered under the product’s warranty. Doing your research can make all the difference and potentially save you money too.

Read The Small Print

When picking your home emergency cover, there are various things that you should look out for before making your final decision. Reading the small print can not only keep you in the know but also ensure you’re getting good value for money. For example, checking whether there are any age limits on the cover for heating systems and boilers will give you the reassurance that you’re fully covered. You should also see whether having your heating system or boiler annually serviced is a condition of the policy. If you haven’t opted for annual serving, your cover may be void, so it’s crucial that you check first.

Finding Cover

With many providers offering different things, knowing who to pick for your home emergency cover can be difficult. You may want to cover your home with Certi who can keep you protected. There are a range of plans that Certi offer which can provide coverage for your central heating, electrics, plumbing, boiler breakdown and more.

Whether you live on your own, or with family members, there are all sorts of problems that can occur which are completely out of your control. Therefore, having emergency cover in place can take the weight off your shoulders and give you reassurance, knowing that you’re protected. Whether it be a burst pipe, boiler breakdown, or damage to your roof, getting help within an instant can make all the difference.

Hugs

Lucy

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This is a collaborative post.

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