Best Home Emergency Cover Providers 2023

Home Insurance Home emergency cover

Moneyfacts has been analysing data for 35 years and our Star Ratings act as a badge of quality, providing an easy way for you to identify exceptional products that deserve your consideration. The chart below shows a selection of home emergency cover policies awarded four and five stars. Scroll down to see the full list of winners.

Featured home emergency providers

Home Emergency Assist
Moneyfacts Star Rating: 5 Stars

Rated Excellent on Trustpilot

Boiler and Heating Cover

Plumbing & Drainage Cover

Complete Cover

Home Appliance Cover
Go To Provider's Site
24/7 Home Rescue
Moneyfacts Star Rating: 4 Stars

Unlimited claims, call us 24 hours

Parts and labour included

Great value cover

3000 network local Gas-Safe and Covid Aware engineers

Covered accidental damage to a boiler

Temporary heating

FCA regulated
Go To Provider's Site
Coverbaloo

Moneyfacts Star Rating: 5 Stars

In an emergency, finding someone to call that you can trust and who will respond quickly without charging you the earth is often very challenging. Our experienced claims team will dispatch a qualified and vetted local engineer to come to your assistance quickly in the event of a claim, 24/7 any day of the year.

We cover you for 9 emergencies as standard plus optional boiler cover, and you can choose an excess of £0 or £50 for if you come to claim. You’ll get up to three claims or £1,000 per year, and all from just £6.50 per month.

We always strive to be fair and transparent in everything we do, and that’s why we won’t charge you extra for paying monthly by direct debit, and there are no hidden fees for cancelling or changing something on your policy. We also promise when you renew your policy, you will pay no more than you would as a new customer.

Go To Provider's Site
Admiral
Moneyfacts Star Rating: 5 Stars

Available with home insurance policies

24-hour emergency call-outs if you suffer an emergency that results in total failure

You'll get up to £500 for call-out charges, parts and labour for temporary repairs

Covers plumbing, roofing, hot water, central heating systems and pest infestation
Go To Provider's Site
Policy Expert
Moneyfacts Star Rating: 5 Stars

Available with Home Insurance policies

Cover around the clock - 24 hours, 7 days a week, 365 days a year

Burst pipes, plumbing and drainage problems

Securing your property in response to problems like smashed windows

Boiler breakdown, including heating and hot water failures

We aim to get a fully qualified tradesman out to you within 2 hours

Pest and vermin infestations, like wasps or rats
Go To Provider's Site

Note

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Disclaimer

The list of home emergency cover providers on this page is a selection of services available and gives you an idea of the kind of options available. You can find out more about the individual products by visiting any of the providers listed. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfactscompare.co.uk will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfactscompare.co.uk recommends you obtain independent financial advice.

What elements do we use to determine a star rating?

We consider an extensive range of features when assigning a star rating to a home emergency policy. These include:

Emergency cover limit per claim
Emergency cover excess
Plumbing cover
Burst pipes cover
Blocked drains cover
Toilet unit cover
Boiler breakdown cover
Annual boiler service

Root damage cover
Domestic power supply cover
Internal gas supply pipe cover
Water supply pipe cover
Home security cover
Lost keys cover
Vermin infestation cover
Alternative accommodation cover

Emergency cover limit per claim
Emergency cover excess
Plumbing cover
Burst pipes cover
Blocked drains cover
Toilet unit cover
Boiler breakdown cover
Annual boiler service

Root damage cover
Domestic power supply cover
Internal gas supply pipe cover
Water supply pipe cover
Home security cover
Lost keys cover
Vermin infestation cover
Alternative accommodation cover

Emergency cover limit per claim
Emergency cover excess
Plumbing cover
Burst pipes cover
Blocked drains cover
Toilet unit cover
Boiler breakdown cover
Annual boiler service

Root damage cover
Domestic power supply cover
Internal gas supply pipe cover
Water supply pipe cover
Home security cover
Lost keys cover
Vermin infestation cover
Alternative accommodation cover

Home Emergency Cover Star Ratings 2023

Click the headings below to see the full list of star ratings awarded.

Home Emergency Cover - Five Star

Admiral - Home Emergency Cover
Age Co - Home Emergency
ARAG - Home Emergency Solutions - £1,000 limit
ARAG - Home Emergency Solutions - £500 limit
Aviva - Aviva Online and Aviva Premium Home Emergency Cover
Aviva - Home Emergency Cover
Aviva - Private Clients Emergency Solutions
AXA Direct - AXA Home Assistance
AXA Direct - AXA Plus Home Assistance
AXA Direct - AXA Premier Home Assistance
AXA Direct - HomeSafe - Home Assistance
AXA Direct - HomeSmart - Home Assistance
AXA Direct - HomeSure - Home Assistance
Bank of Scotland - Home Emergency Cover
Barclays - Home Emergency Cover
Better Home Cover - Full Home Cover
BIG Warranties - Residential Home Emergency Insurance
British Gas - Home Assistance
British Gas - HomeCare Four
British Gas - HomeCare Three
Cavere Insurance - Home Emergency Assistance
Cavere Insurance - Home Emergency Insurance
Confidas - Home Emergency
Co-op Insurance - Home Assistance
CORGI HomePlan - Complete
Coverbaloo - Home Emergency
Dynamo Cover - Electric, Plumbing, Boiler & Heating Cover with Annual Service
first direct - Home Emergency Cover
First2Protect - Home Emergency Insurance
Halifax - Home Emergency Cover
Hastings Direct - Home Emergency Cover
Hiscox - 606 Home Insurance Home Emergency
Hiscox - Home Emergency
Home Emergency Assist - Enhanced Boiler, Heating & Electrics
Home Emergency Assist - Enhanced Complete Cover
Home Emergency Assist - Premium Boiler, Heating & Electrics
Home Emergency Assist - Premium Complete Cover
HomeProtect - Home Emergency Cover
HomeRescueCo - Electric, Plumbing, Boiler & Heating Cover with Annual Service
HomeServe - Heating, Plumbing and Electrics Plu
Hometree - Your Home
HSBC - Home Emergency
HSBC - Select and Cover Home Emergency
Intelligent Insurance - Home Emergency Plus
John Lewis Insurance - Home Emergency & Boiler Servicing Cover
Leeds Building Society - Home Emergency Cover
Lloyds Bank - Home Emergency Cover
LV= - Home Emergency
M&S Bank - Home Emergency Cover
Magnet Insurance - Home Emergency Solutions
MORE TH>N - Home Emergency Cover
Motability - Home Emergency Assistance
Nationwide Building Society - Home Emergency Cover
NFU Mutual - Home Emergency
NFU Mutual - NFU Mutual Bespoke Home Emergency
Paymentshield - Home Emergency Cover
Police Mutual - Home Emergency Cover
Policy Expert - Home Emergency Plus
Quotemehappy.com - Home Emergency Cover
Reactive Insurance Solutions - Home Emergency Extra
RIAS - Home Protection Plus
Row.co.uk - Complete Cover
Saga - Home and Heating Emergency
Saga - Home Emergency
Santander - Home Emergency Cover
SES Home Services - Total
SES Home Services - Total Plus
Smart-Cover Insurance - Home Emergency Essential
Smart-Cover Insurance - Home Emergency Premium
Smart-Cover Insurance - Home Emergency Standard
Smart-Sure Limited - Home Emergency Essential
Smart-Sure Limited - Home Emergency Essential +
Smart-Sure Limited - Home Emergency Premium
Smart-Sure Limited - Home Emergency Premium +
Swinton Insurance - Home Emergency Cover
Tesco Bank - Home Emergency Cover
The Co-operative Bank - Home Emergency
TSB - Home Emergency Cover
UIA Insurance - Home Emergency Cover
Uinsure - Home Emergency Cover
Utility Warehouse - Boiler & Home Cover
Utility Warehouse - Home Emergency Insurance
Virgin Money - Home Emergency Assistance
YourRepair - Complete

Home Emergency Cover - Four Star

24/7 Home Rescue - 24/7 Home Care
Ageas - Home Emergency Cover
ALPS - Home Emergency
CETA - Residential Emergency Assistance Insurance
Cherish Insurance Services - Home Emergency
Covea Insurance - Executive Home Emergency
Covea Insurance - Executive Plus Home Emergency
Covea Insurance - Premier Home Emergency
Direct Line - Select Premier Home Emergency
Dynamo Cover - Electric, Plumbing, Boiler & Heating Cover
Ecclesiastical - Art & Private Client Home Emergency
esure - Home Emergency
Home & Legacy - Ultimate Home Emergency Assistance
Home Emergency Assist - Premium Boiler & Heating
HomeRescueCo - Electric, Plumbing, Boiler & Heating Cover
HomeServe - Heating and Plumbing
HomeServe - Heating, Plumbing and Electrics
Hometree - Your Heating
Hoot Insurance - Home Emergency Cover
Horizon Latitude - Home Emergency Service
Horizon Longitude - Home Emergency Service
Kindertons - Residential Home Emergency
Locket - Home Emergency
Loughborough Building Society - Home Emergency Assistance
NatWest - Premier Home Emergency
OneClickCover - Home Emergency Cover
Paragon - Home Emergency
Pen Underwriting - Home Emergency Insurance
RAC - Home Emergency Insurance
Royal Bank of Scotland - Premier Home Emergency
Sainsbury's Bank - Home Emergency Cover
Sheilas' Wheels - Home Emergency
Suffolk Building Society - Home Emergency Assistance
Swiftcover - Home Assistance
Urban Jungle - Home Emergency
Vernon Building Society - Home Emergency Assistance
West Bromwich Building Society - Home Emergency Assistance
YourRepair - Home Plus

Home emergency cover explained

What is home emergency cover?

Home emergency cover is usually an additional cover to your standard home and contents insurance policy. It covers you should an event an occur that makes your home uninhabitable, causes permanent damage, risks your health and safety or makes your home unsafe. For example, a boiler breaking down would be an emergency, along with burst pipes and even lost keys or an infestation of mice or rats. You will need to check with your home emergency provider exactly what events they will cover, for example some policies will include boilers as a standard while other will need a stand-alone policy. It differs to home insurance, that covers you for the cost of replacement or repair of damage to your home and contents.

How does home emergency cover work?

Home emergency cover policies usually have a maximum amount of money that they will cover for individual repairs and labour costs and a cap on the number of callouts allowed each year. Usually claims within the first 14-days of taking a policy will not be honoured. You will still need to take reasonable care of items covered under the home emergency policy, such as making sure your boiler is serviced every 12-months.

If the home emergency provider thinks you have not maintained items properly, they will refuse to cover the repair costs. You should also be aware that your cover could become void if the property has not been occupied for 30 days.

How can I find the best home emergency cover for me?

Our star rating system makes it easy for you to see which are the truly exceptional home emergency cover products. Picking from our five or four star rated products means you can be assured you are choosing a quality product, that has been rated by experts, as being one of the best available.

I rent my home, do I need home emergency cover?

No, your landlord is responsible for arranging home emergency cover for their premises.

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