Every policy varies, but you usually get cover for the following:
Boiler and heating
If your boiler breaks down, home emergency cover covers the cost of calling out a tradesperson. There might be some T&Cs around this for your cover to be valid, such as:
- The boiler needs to be outside its manufacturer warranty
- You should have the boiler serviced regularly
- The boiler should be under a certain age – usually less than 7 to 10 years
Some policies offer up to £250 for a new boiler if it’s not fixable.
Plumbing and drainage
This covers you for burst pipes and blocked drains, sinks and toilets. It also covers underground external drainage, but only the pipes you’re legally responsible for. It doesn't cover drainage issues that are outside your property.
Your policy doesn't cover replacement:
- Pumps
- Water tanks
- Radiators
- Cylinders
- Water softeners
- Waste disposal units
- Parts of your central heating system
Roof damage
If your roof suffers sudden storm damage, home emergency cover helps with quick repairs to the roof to keep your home dry. To be covered for this, you also have to prove that your roof is well maintained.