Does emergency home insurance cover boilers?

As we head into the winter months, the temperatures drop, and it starts to rain even more than usual. As a result, concerns around home emergencies might, understandably, be at the forefront of your mind and investing in an emergency home insurance policy could be an attractive option. 

But do you really know what’s covered by this type of policy?  

Every emergency home insurance policy is slightly different to the next, so there’s no definitive way to say what a policy might cover without reading the specific documents associated with it. However, there are some things that are common features of this type of insurance.  

In this article, we’ll explain a bit more about emergency home insurance and uncover whether this type of policy includes cover for boilers.  

Read on to find out everything you need to know about boiler coverage or skip to a section below: 

• What is emergency home insurance?
• The role of boilers in home emergencies
• Do all emergency home insurance policies cover boilers?
• How to choose the right policy
• Where can I get home emergency cover?

What is emergency home insurance? 

First, let’s address what emergency home cover actually is.  

This specialised insurance policy offers assistance and financial coverage for quick and efficient intervention in times of unexpected domestic emergencies. 

Essentially, this policy is a safety net for homeowners to ensure help is available and financially viable when it’s needed most.  

In the event of an emergency, emergency home insurance policyholders can contact their insurance provider’s claims administrator to arrange contact with an engineer who can prevent an emergency problem from causing further damage. 

Some emergency incidents covered by most policies include burst pipes, electrical failures and roof damage. 

The role of boilers in home emergencies 

Your boiler might not be something you think about too often, but it plays a huge role in keeping your home comfortable (and not to mention safe) during the winter months.  

Boilers are an essential home device, but, unfortunately, it’s not uncommon for boilers to be right at the centre of some of the most serious home emergencies.  

It’s concerning enough that the breakdown of a boiler can leave you without hot water and living in a freezing cold home that could cause health issues (particularly for older people), but a boiler leak could cause serious risk to life. 

As a result, you should never overlook a potential boiler problem, despite the financial implications. 

Emergency home insurance is therefore an exceptionally helpful tool to take the pressure off and ensure you turn for help when you need it. 

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See also: What are the benefits of home emergency cover?

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Do all emergency home insurance policies cover boilers?  

Like we mentioned previously, all emergency home insurance policies are slightly different, so they won’t all cover boiler emergencies.  

However, coverage for boilers is a common feature of emergency home insurance, so most policies (including our Save More Money Emergency Home Insurance) will provide some boiler protection.  

You should also note that the extent of coverage, exclusions and limitations can all differ from policy to policy. So, even if the policy you choose covers boilers, you need to pay close attention to the specifics detailed in your policy documents.  

How to choose the right policy

When it comes to protecting your home, you can never be too careful. So, ensuring you choose the right policy is essential. 

And, while there’s no way to guarantee you choose the best policy possible, here are some tips that could help you get on the right track: 

• Read through your policy documents carefully to understand the details of your coverage and exclusions 
• Check the specifics of boiler coverage in the policy 
• Look for a provider with a strong reputation for emergency response 
• Consider the inclusion of additional features or additional add-ons 
• Create a checklist of what you need from your emergency home insurance policy and compare it with your coverage details before making a final decision. 

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See also: Is boiler cover worth it?

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Where can I get home emergency cover? 

There are a range of providers offering different levels of home emergency cover at competitive prices across the sector, and you should be able to find these with a quick online search or by using a price comparison website. 

However, no single policy or provider is ideal for every individual or household. Therefore, it’s essential to understand your specific needs before selecting a home emergency cover. Consider your budget, the appliances you want to protect, and the types of incidents you wish to include in your coverage. 

If you want a policy that can cover your needs, look no further than Save More Money.