Home > Property Insurance > Home Emergency Insurance
Home Emergency Insurance
Burst pipes, broken boiler, electrical damage: when a home emergency happens, you need it fixed - fast! But emergency repairs can be costly. With UK Sure Home Emergency Insurance, you can quickly get your home back in order!
What are you covered for?
Our policy covers you for a wide array of home emergency repairs, including:
-
Plumbing
-
Electrical wiring
-
Boiler
-
Heating system
-
Pest infestation
-
Lost Keys
-
Security repairs after a break-in
-
Storm damage to roofs
The event must occur after the start date and before the end date of your policy.
What are you not covered for?
Our policy doesn’t cover:
-
Issues known to you when you took out the policy
-
Routine maintenance of items covered
-
If your home is left unoccupied for 60+ consecutive days
-
With plumbing cover, we don’t include leaks from household appliances
-
Emergency boiler cover is only valid after your manufacturing warranty has expired
-
Pest infestation for non-covered pests (including but not limited to, ants, fleas, bedbugs, spiders, flies, squirrels, and bees)
-
Loss of your keys if another set exists
-
Any work carried out by you or any other person which was not authorized by the claims administrator
Suitable for
-
House owners who live in the UK
-
Adults over 18
-
Your main residence only
Not Suitable for
-
Renters, landlords, or second homes
-
Anyone who already has home emergency cover included as part of another policy
Frequently Asked Questions
Question: Is a home emergency cover worth it?
I would recommend self-insuring for your home emergency cover. Just pay the premium you would be pay into a savings account. After just three months you will have most of the money you need to deal with smaller emergencies, and you can continue to save for large eventualities such as needing a new boiler or a new roof.
Question: What is the home emergency cover in the UK?
Home emergency cover will pay for the cost of call-out fees and emergency repairs, but it won't cover any damage caused by the emergency itself. So, if a water leak has ruined your kitchen floor, you'll need to claim for the floor damage separately on your home insurance policy.
Question: What insurance do landlords need in the UK?
What is an alternative to UK Sure? As well as Homeserve, plenty of other boiler cover providers also offer fully comprehensive cover plans that include your central heating, plumbing, and electrics too. They include: British Gas.
Question: What insurance do you need for your home?
Buildings insurance covers the cost of rebuilding your home if it's damaged or destroyed. It's usually compulsory if you're planning to buy your home with a mortgage and you may not be able to get one unless you take out buildings insurance.
Question: What is a household emergency plan?
An emergency and evacuation plan will ensure everyone in your household knows exactly what to do if the worst happens. You might want to involve your neighbours in developing your plan - neighbours who are elderly or have special needs may need your assistance.
Question: Is a blocked toilet covered by insurance?
Home insurance can pay out for damage caused by a blocked drain – but it will depend on the cause. For example, if the blockage or damage is caused by tree roots growing into the piping or other types of accidental damage, then you should be covered.
Do you have a question about home emergency insurance?
Submit your question here
Related Products
UK Sure Static Caravan insurance provides financial coverage for risks such as theft, fire, flooding, vandalism, and liability claims.
Specifically designed to cover your second property, whether you let it out or not.
Whether you need buildings insurance, contents insurance, or a building and contents policy.
How our customers rate us
Is good
Isabel Martins
2025-07-11
Simon Burden
2025-06-28
Fantastic
Avuwa Honda
2025-06-26
Fantastic with high speed service delivery. You are just the best to reckon with.