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Best home emergency cover providers 2024

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.  

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Featured home emergency providers

  • 24/7 Home Rescue
    • 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
  • Admiral
    • 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
  • Home Emergency Assist

    Use code MONEY40 for 40% discount on Home Emergency Assist policies

    • Boiler and Heating Cover
    • Plumbing & Drainage Cover
    • Complete Cover
    • Home Appliance Cover
  • Coverbaloo

    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.

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 2024

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

Home Emergency Cover - Five Star

24/7 Home Rescue - Home Care
AA - Home Emergency Cover including Boiler
Admiral - Home Emergency Cover
ALPS - Home Emergency
ARAG - Home Emergency Solutions - £1,000 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
Bank of Scotland - Home Emergency Cover
Bank of Scotland - Premier Account Home Emergency Cover
Bank of Scotland - Ultimate Reward Current Account Home Emergency Cover
BIG Warranties - Residential Home Emergency Insurance
Bradford & Bingley - Home Assistance
British Gas - HomeCare Classic
British Gas - HomeCare Complete
Bspoke Private Clients - Home Emergency Insurance
Cavere Insurance - Home Emergency Assistance
Cavere Insurance - Home Emergency Insurance
Cherish Insurance Services - Home Emergency
Co-op Insurance - Home Assistance
Coplus - Home Emergency
CORGI HomePlan - Complete
coverbaloo - Home Emergency Assistance
coverbaloo - Home Emergency Cover
Dynamo Cover - Electric, Plumbing, Boiler & Heating Cover
EDF Energy - BoilerCare Total Insurance
first direct - Home Emergency Cover
first2Protect - Home Emergency Insurance
Halifax - Home Emergency Cover
Halifax - Ultimate Reward Current Account Home Emergency Cover
Hastings Direct - Home Emergency Cover
Hiscox - 606 Home Insurance Home Emergency
Hiscox - Home Emergency
Home Emergency Assist - Enhanced Complete Cover
Home Emergency Assist - Premium Complete Cover
Homeprotect - Home Emergency Cover
HomeRescueCo - Electric, Plumbing, Boiler & Heating Cover
HomeServe - Heating, Plumbing and Electrics Plus
Hometree - Your Home
Hometree - Your Home Plus
HSBC - Home Emergency
Intasure - Home Emergency
Intelligent Insurance - Home Emergency Plus
John Lewis Insurance - Home Emergency & Boiler Servicing Cover
John Lewis Insurance - Home Emergency Cover
Leeds Building Society - Home Emergency Cover
Lloyds Bank - Home Emergency Cover
Lloyds Bank - Premier Account Home Emergency Cover
LV= - Home Emergency
M&S Bank - Home Emergency Cover
Magnet Insurance - Home Emergency Solutions
Markham Private Clients - Home Emergency
MBNA - Home Emergency
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
OVO Energy - Complete Plan
Paragon - Home Emergency
Paymentshield - Home Emergency Cover
Plus Heat - Platinum
Plus Heat - Premium
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 - Home Emergency and Boiler Cover
Saga - Home and Heating Emergency
Saga - Home Emergency
Sainsbury's Bank - Home Emergency Cover
Santander - Home Emergency Cover
Scottish Power - Heating & Home Emergency Protect
Sky Protect - Home Emergency Cover
Smart-Cover Insurance Services - Home Emergency Premium
Swiftcover - Home Assistance
Swinton Insurance - Home Emergency Cover
Tesco Bank - Home Emergency Cover
TSB - 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

Ageas - Home Emergency
ARAG - Home Emergency Solutions - £500 limit
Aviva - Smart Home Emergency
British Gas - Executive Home Emergency
CETA - Residential Emergency Assistance Insurance
Choice Insurance Agency - Home Emergency Solutions
Covea Insurance - Executive Home Emergency
Covea Insurance - Executive Plus Home Emergency
Covea Insurance - Premier Home Emergency
Dial Direct - Home Assistance
Direct Line - Select Premier Home Emergency
Ecclesiastical - Art & Private Client Home Emergency
esure - Home Emergency
Home Emergency Assist - Premium Boiler & Heating
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
Loughborough Building Society - Home Emergency Assistance
NatWest - Premier Home Emergency
OneClickCover - Home Emergency Cover
Pen Underwriting - Home Emergency Insurance
RAC - Home Emergency Insurance
Royal Bank of Scotland - Premier Home Emergency
Sheilas' Wheels - Home Emergency
Smart-Cover Insurance Services - Home Emergency Essential
Smart-Cover Insurance Services - Home Emergency Standard
Smart-Sure Limited - Home Emergency Essential +
Smart-Sure Limited - Home Emergency Premium
Smart-Sure Limited - Home Emergency Premium +
Suffolk Building Society - Home Emergency 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.

 

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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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Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.