Home emergency insurance - what is it & is it worth it?

5 min read
Published on
January 24, 2024
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Understanding home emergency insurance

Homeownership, while rewarding, comes with its fair share of challenges. Among these are unexpected emergencies that can strike at any time, leaving you with a hefty repair bill and a significant disruption to your daily life. These emergencies can range from plumbing leaks and electrical faults, to heating breakdowns. Fortunately, there's a solution: home emergency insurance. This type of insurance offers homeowners the peace of mind they need. But what exactly is home emergency cover, and is it worth the investment?

At BIG Warranties, we offer comprehensive home emergency insurance designed to protect homeowners from unexpected costs and ensure a swift return to normality.

What is home emergency insurance?

Home emergency insurance is a specific type of cover designed to provide immediate assistance in a domestic emergency. This could encompass a wide range of issues, from a broken boiler or a plumbing leak to an electrical failure. The primary objective of this insurance is to restore your home to its normal state as quickly as possible, minimising disruption and covering the cost of emergency repairs.

Unlike standard home insurance, which covers your property and belongings against damage from events like fire, theft, or natural disasters, home emergency insurance is specifically designed to cover the cost of emergency repairs needed to make your home safe and habitable again.

Your home emergency insurance FAQs answered

To help you gain more understanding, our experts have answered some FAQs you may have about home emergency insurance:

What does home emergency insurance cover?

Home emergency insurance protects your house against the unexpected, from heating to plumbing, electrics to pest control. When something goes wrong let us handle it with our comprehensive home emergency cover.

What is considered a home emergency?

A home emergency is a sudden and unexpected event at your property that if not dealt with, will immediately make your home unsafe or insecure, or will cause damage or further damage to your home and its contents, or will leave your home without mains services.

Do you offer home emergency insurance for landlords as well as homeowners?

Yes, landlord home emergency cover is a specially designed policy that provides emergency assistance for landlords if the plumbing, drainage, heating or power supply fails in a rented property. This cover can also protect landlords against compromised security and pest infestation in your property.

What levels of cover do you offer?

We offer several different levels of cover tailored to meet different household needs, whether you need domestic cover or a landlord policy. From our home emergency policy to our complete cover option protecting your boiler, we are sure to have an option to suits your requirements.

For more home emergency FAQs, click here.


The importance of home emergency insurance

Home emergencies are unpredictable and can be costly to rectify. By having home emergency insurance, you can protect yourself from these unexpected costs and ensure that any issues are resolved quickly and efficiently.

Consider, for example, your boiler breaking down in the middle of winter. Not only are you faced with a cold home, but you could also be looking at a hefty repair bill. With home emergency insurance paired with boiler cover from Big Warranties, you can rest easy knowing that the costs of emergency repairs are covered. We'll arrange for a qualified engineer to fix the problem as soon as possible, ensuring your home is warm and comfortable again in no time.

Key features of a home emergency insurance policy

When choosing a home emergency insurance policy, there are several key features to consider:

Comprehensive Coverage: A good policy should cover many home emergencies. At Big Warranties, our home emergency insurance covers everything from plumbing, electrical, and heating issues to pest infestations and security incidents, providing comprehensive protection for your home.

Generous Claim Limits: Check the maximum amount you can claim for each type of emergency. Our policies at Big Warranties offer generous claim limits, ensuring you're fully covered in the event of an emergency.

Swift Response Time: In an emergency, you want help as quickly as possible. Our team at Big Warranties is available 24/7, ensuring that we're always here when you need us.

Quality of Service: Look for a provider with a strong track record of excellent customer service and high-quality repairs. At Big Warranties, we pride ourselves on our commitment to customer satisfaction and our network of experienced, qualified engineers.

No Excess: Some insurance policies require you to pay an excess when you make a claim. At BIG Warranties, we offer a no-excess option, meaning you won't have to pay anything extra when you need to use your cover.


In conclusion, home emergency insurance should be a vital consideration for any homeowner. It provides valuable protection against unexpected costs and ensures that you can get your home back to normal quickly in the event of an emergency. At BIG Warranties, we're dedicated to helping protect your home and giving you peace of mind. With our comprehensive cover, 24/7 support, and commitment to quality service, you can rest assured that you're in safe hands.

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We provide a great range of home appliance insurance policies and warranties for landlords and homeowners across the UK, covering ovens, fridges, washing machines, freezers, dishwashers and more. Plus affordable landlord and homeowner home emergency insurance covering boilers, plumbing and drainage and even more.
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