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Home Emergency Insurance

HomeGuard HomeAssist home emergency insurance is designed to provided a 24/7 home emergency helpline and emergency tradesman service, and insure you against the costs of the contractors call-out, labour and materials following an home emergency.

What is a Home Emergency?

A home emergency is a  sudden and unforeseen event which clearly requires immediate action in order to:

  • a. prevent damage to or avoid further damage to the Home and/or 
  • b. render the Home safe or secure and/or 
  • c. restore the main services to the Home and/or 
  • d. alleviate any health risks to You 

What would happen if you had a burst pipe or your heating breaks down?

While your household insurance will usually cover damage to carpets, furniture etc caused by a plumbing or drainage emergency, it may not cover the cost of finding a reliable plumber or gas engineer to carry out emergency repairs.

Who is eligible for HomeGuard home emergency insurance?

Residential Property Owners Occupiers 

What does HomeAssist Home emergency insurance cover ?

HomeAssist does not include a boiler service.
(Please see our StayWarm Product if you would like an annual boiler service included.)

Perils covered Value Standard Premium
Boiler Breakdown Insurance ✓ ✓ ✓
Plumbing and Drainage Insurance ✓ ✓ ✓
Inoperable Toiler Insurance ✓ ✓ ✓
Security Insurance ✓ ✓ ✓
Loss of keys insurance ✓ ✓ ✓
Roof Damage Insurance ✓ ✓ ✓
Supply Failure Insurance ✓ ✓ ✓
Pest Infestation Insurance ✓ ✓ ✓
Alternative Accommodation ✓ ✓ ✓
Boiler Replacement Contribution ✓ ✓ ✓
No of claims allowed Unlimited Unlimited Unlimited
Excess Nil Nil Nil
Limit per claim £250 £500 £1000

*Council tenants will not need this service and private tenants should check with their landlord before applying. Mobile homes are not eligible.

HomeAssist also includes Alternative accommodation for when your home becomes uninhabital and Boiler replacement cover if its found your boiler cannot be repaired economically. Please read policy wordings for further information.

Home emergency insurance benefits

Trying to get expert help even during the day is not the easiest of tasks, especially at night just ask anyone who has tried to find a gas engineer, plumber or any other tradesman to attend an emergency in the evening, and who knows what you might get charged when the emergency is resolved.

With just one call to our 24 hour helpline we can arrange for a tradesman to be at your door within 2 hours.

When a home emergency like your boiler breaks down or a burst pipe or blocked drain happens, you need a reliable tradesmen there quickly to prevent further damage to your property. One simple call to our 24/7 emergency help line and you can relax in the knowledge that a fully qualified engineer is on there way, and there will be nothing to pay.

24/7 home emergency Repair service

We can't stop emergencies happening but our home emergency insurance 24/7 repair service will take care of the problem. Simply call our 24/7 emergency help line, and one of our claims team will be able to assist you with your emergency and send out a qualified Tradesman to attend within 2 hours to complete any necessary emergency repairs.