Home Emergency Cover

What is home emergency cover?

Home emergency cover is in place to help you deal with domestic emergencies as they happen, day or night. While your home insurance would cover damage done by a flood – it probably wouldn’t cover a burst radiator pipe that starts leaking water all over your carpet at two o’clock in the morning.

What does esure home emergency insurance include?

We cover a lot of emergency situations that can unfold in your home, below is a list of the top home emergencies we aim to insure. For full information on what we do and don’t cover please take a look at our policy booklet.

  • Plumbing

We can cover variety of plumbing emergencies. If your shower’s leaking or the only loo in your home has stopped working, get in touch and we’ll send out a plumber in a jiffy!

  • Drainage

If all your sinks are blocked and your waste water pipes are backing up, give us a call and we’ll send our contractors out to sort it.

Please note we can’t repair drains if they are the responsibility of a water company.  Even if these drains are in your garden or are on your property.

  • Locks, and windows

If you’ve cracked a window and it isn’t safe to leave it broken while you organise the repair, call our emergency line and we’ll send our contractors out to you as soon as possible to ensure it’s secured.

Alternatively if you’re locked out, or the locks have been vandalised, leaving you with an immediate security risk – we can arrange for a locksmith to help you get in your home and fix the locks. We can also pay to replace your keys in an emergency if you’ve lost them and don’t have a spare set.

  • Heating and boiler

When you’re boiler takes a turn for the worse, leaving you without heating, and your water pressure goes through the floor – just call our emergency helpline and we’ll reach out to our contractors to send a plumber round as soon as possible.

If we can’t get a contractor out to you when we would like, or the parts aren’t available, we’ll reimburse you the cost of any electric heaters you have to buy.  Providing the amount you spend is no more than £50 including VAT.

What are the benefits of home emergency cover with esure?

Convenience. If you’re heating breaks down in the middle of December you’re going to be in a hurry to get the problem fixed. We have a dedicated 24-hour home emergency line that you can use, to put you in touch with the right people. No ringing around for tradesmen during the night!

As long as you use our recommended tradesmen we’ll cover repairs and call-out charges up to £500 including VAT.

If your covered home emergency is particularly serious and we know you can’t stay at home, we’ll cover alternative accommodation for up to £250, for you, your family, and pets!

No excess, you don’t have to pay any upfront costs when you make a claim on esure home emergency insurance.

Your No Claim Discount is also unaffected, when you make a home emergency insurance claim.

What should I do if I think I have a home emergency?

If you think you have a home emergency, get in touch using our 24-hour home emergency helpline. Once you’ve done this we’ll advise you on how to protect yourself and your home.

If we know you need a contractor, we’ll get in touch with our contacts as soon as possible to remedy your home emergency situation.

Our contractors then carry out repairs to contain the emergency, but please bear in mind their solution may only be a temporary one. It’s worth checking with your insurer before you go ahead and pay a tradesman to do the full repair, as you might be covered by your home insurance policy.

Do I need emergency home cover if I’m renting?

If you rent your home and the heating breaks down, it’s usually up to the landlord to sort the problem. They would probably have home emergency cover for landlords.

What’s the best home emergency cover I can get?

Unfortunately we can’t answer that, it all depends on what you need, and the level of cover you want. Each insurer has their own criteria, and the amount they will pay towards repairs and call-outs can vary.

Is there anything else I can add to my home insurance to get even more cover?

We have a whole range of Optional Extras you can buy to increase cover for your home. These include:

Accidental Damage – you might have an expensive cream suede sofa that you couldn’t afford to replace if it were to get damaged by red wine spillages. This is where accidental damage can be useful, it aims to cover possessions in your home, if you damage or break them by accident.

Family Legal Protection – when you buy this Optional Extra it could be used to cover you if you ever needed to go to an employment tribunal or seek damages for a personal injury claim. For more information on what else Family Legal Protection covers please take a look at our Family Legal Protection page. 

If you want to add home emergency cover to your policy please call 0345 045 1000.