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how to buy home emergency insurance & What does home emergency cover mean? What is Home Emergency Insurance? Home emergency insurance typically covers central heating, boiler breakdown, plumbing, electrics, and pipework. Home Emergency Insurance What Counts as an Emergency? Boiler breakdown No heating No hot water Blocked drains Sudden emergency power outage Broken doors, windows, or locks Rodent infestation Home emergency insurance doesn't cover wear and tear - and this includes damp and rot, and also some policies The policy will cover the fix/repair but any damage caused by the problem will be covered by your general household insurance - for example, if you had a flood and your flooring was ruined, you would have to claim for a new carpet on your house insurance not on your home emergency cover. Another important thing to know is that for home emergency cover to be valid, your home should be in good, maintained order. An emergency prevents you carrying on life in your home as normal. The emergency can compromise the integrity of your home, can impinge on safety and security, and/or pose a risk to your health. Usually, you can claim upto ? 5000 a year as necessary on home emergency cover and it will not affect your no-claims bonus on your household insurance. If you don't have emergency home cover, you first have to find a tradesman/technician and that tradesman has to be available right away. Peace of Mind With home emergency cover you know problems will be dealt with as soon as possible, enabling home life to get back to normal quickly. With the increasing amount of time we spend at home and the greater incidence of adverse weather conditions, emergencies happen more often. Contact Us At: https://smart- cover.co.uk/home- emergency-insurance
