Home Emergency Cover
InsuraHome's Home Emergency Cover will arrange and pay for a contractor to: prevent damage or further damage to your home, make your home secure or relieve unreasonable discomfort, risk to health or difficulty
So long as your Emergency falls under the policies insured events, our Home Emergency cover will either sort a temporary repair (or permanent one if this is no more expensive); or take other action such as isolating the leaking component or gaining access to your home - whatever is the best way of providing help!
For example, if your roof happens to be damaged during a storm then your Home Emergency cover may pay for a contractor to make temporary repairs to your roof to prevent any further water damage.
Equally, if one of your drainage pipes is flooding your home, Home Emergency Cover would cover the cost up to the policy limit of a plumber to repair the leak until a more permanent solution can be put in place.
Be sure to check the Policy Wording for full details on cover limits and exclusions.
The Home Emergency Cover add-on is available on the following policies...
What is Covered on InsuraHome's Home Emergency Insurance?
Below is a brief explanation of what is covered on InsuraHome's Home Emergency Insurance Policy Add On. However, you should always refer to the InsuraHome's Home Insurance Policy wording for full cover limits, terms, conditions and exclusions.
| What is Covered? | What is not Covered? |
|
Roof Damage |
Assistance costs which exceed the emergency assistance limit shown in your policy schedule |
|
Plumbing and Drainage |
Walls, gates, hedges, fences, outbuildings, sheds, detached garages or anything outside of the boundary of the home |
|
Heating Failure |
An emergency at a property which you rent or let or that you own but is not your main home |
|
Power Supply Failure |
Any claim where the home is left unoccupied for 30 or more consecutive days |
|
Toilet Unit |
Costs you incur before we have agreed to cover your claim |
|
Home Security |
Claims relating to normal day to day home maintenance |
|
Keys |
Claims relating to shared areas or communal parts of a property including shared fixtures and fittings, facilities or services outside the legal boundary of your home |
|
Vermin |
The costs, or any contribution towards the costs, of replacing a boiler, storage heater or any other heating or domestic appliance |
|
Hotel Accommodation |
Any repair to a boiler, storage heater or any other heating or domestic appliance that is more than the cost of replacing it |
|
|
Damage caused where it is necessary to gain access to carry out repairs |
|
|
Problems with septic tanks, cesspits or fuel tanks |
|
|
Leaks which have not caused or are unlikely to cause damage to your home |
The table above is only a summary of cover. You should always refer to the policy wording for full terms, conditions and exclusions.
It is important to remember that if the emergency that arises could result in serious risk to yourself or substantial damage to your home, you should contact the emergency services.
How do I get an InsuraHome Home Insurance with Home Emergency Cover Quote?
It's quick and easy, you don't even need to specify this on your application form. Just remember to ask for this when one of our specialists contacts you with your quote.
