Your Household insurance policy gives you cover remedying damage caused to your property, but what about stopping whatever caused the damage in the first place? This is where Home Emergency cover comes in.
What is classed as a Home Emergency?
An emergency is a sudden and unexpected event which, if not dealt with quickly could:
- Render the property unsafe or insecure
- Damage or cause further damage to your home
- Cause personal risk to you
The following are examples of emergencies:
- The toilet is blocked or it won’t flush, and there are no other toilets in the home
- There is a blocked drain within the boundary of your property
- You lose all power or light to your home and it can’t be reinstated by re-setting the fuse board
- You’ve lost your keys, have no spare set and cannot secure or gain entry to your home
- You have snapped a key in the lock and cannot secure or gain entry to your home
- There is a wasp or hornets’ nest inside or near the home
- You discover you have an infestation of rats in your home
- A water pipe suddenly starts leaking and is likely to cause damage to the property or its contents