Home emergency cover can protect you from the costs of unexpected house repairs. It comes into play when a burst pipe leaves your house soaked, or your central heating breaks down on the coldest night of the year.
What is actually Home Emergency Cover, after all?
Home emergency cover is a type of insurance that helps the policyholder financially in the case of serious home emergencies. It covers the cost of a registered tradesman or engineer (such as a plumber, electrician, etc.) coming out to your home to fix the problem and any other necessary services relating to the emergency. As well as financial aid also enables you to face the emergency with more ease. Your insurer will contact and send someone to your home to fix the problem, saving you from dealing with it on your own.
Home emergency cover providers have 24-hour helplines and promise to send tradesmen to you within 24 hours of your call. However, the exact time frame varies: some providers guarantee that your issue will be solved within a couple of hours, while others promise it will be dealt with within a day.
What constitutes an emergency?
Insurers define an emergency in different ways, but generally, it will be seen to apply to events that:
- Undermines your home’s structural integrity
- Makes it unsafe to stay in your home
- Causes irreversible damage to your property
- Endangers your health and safety.
Why Do You Need Home Emergency Cover?
Owning a home is one of the most rewarding milestones in life and can bring immense personal satisfaction. The moment we first step into a new house and begin making it our home, we start to cultivate memories that will last a lifetime. Over time, the house becomes an intrinsic part of our family life and is often a character in our life story.
Home emergencies are an unfortunate but inevitable part of life. It helps to have someone you can call when these problems arise, especially if they are serious. Here are five reasons why any homeowner would benefit from home emergency cover.
Electrical Problems
When electrical problems arise in your home, the costs can be substantial. Replacing wiring and performing related work can easily cost thousands of rupees. Home emergency cover could save you thousands of rupees.
Protecting your Boilers
Homeowners often overlook their boilers, but they are a crucial part of their heating system. When they break down, you will learn to appreciate them more. Having a boiler cover in place can help you save time and money during the repairs or replacement process.
Home Emergency Cover
It is advisable to subscribe to a home emergency cover package to protect your home. Many companies online offer competitively-priced packages and home security as part of the deals.
Hidden Expenses
The consequences of a drainage problem can be severe, ranging from the need for emergency repairs to damage caused by excess water and even mould growth. Having an emergency contact number to call or drain company is essential to know you are not in trouble.
Pest Problem
Household pests are a common problem and can even strike homes with no history of infestation. These pests can include rats, mice, cockroaches, ladybirds, and bats. While most home insurance policies cover damages by pests, the issue is complex and will require proper preparation before it becomes an issue.
A home emergency can be a stressful and scary situation for a homeowner. Having a home and emergency coverage for things like pest control or plumbing and drainage problems can save you money and help alleviate your worries.
There are many other reasons you need a home emergency cover, like security issues such as you have broken front door locks or lost your house keys, or your roof is damaged after a storm that has landed to expose your home completely. You need such insurance coverage to protect you and your family in such situations.
A home emergency cover helps protect our homes and families from the stress and worry that can come with unexpected emergencies.
