Here, we look at the number of home insurers that offer home emergency cover and whether it’s worth including this cover in your home insurance.

Is your home insurance falling short?

Defaqto’s research found that, of the 390 home contents insurance policies on the market, only 21% include cover for home emergencies. Similarly for buildings insurance – which protects the structure of your property – only a quarter of the 271 policies on the market offer home emergency cover as standard.

What is home emergency insurance?

Home emergency insurance is designed to protect you against a range of emergencies that could affect your home suddenly and require immediate action

Where can you get home emergency cover?

Home emergency cover can be bought in a number of ways, aside from adding it to your home insurance policy.

It can be bought as a standalone insurance policy, of which there are currently 104 available on the market. Certain packaged bank accounts also offer home emergency protection, or you may be able to buy cover from your utility provider.

Before you buy any cover, it’s really important to check the terms and conditions to make sure that you get the level of protection you need and don’t get caught out if you have to make a claim.

By Brean Horne

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