If you’ve ever found yourself in the unfortunate position of having an emergency at home, such as your boiler breaking down, then you’ll understand the headache of finding a tradesperson and covering the cost of the repair is a situation you’d rather avoid.
That’s where Home Cover comes in handy. Removing the stress and helping keep the price of unexpected problems down.
In this article we’ll discuss the benefits of Home Cover and explore the advantages and disadvantages of taking out protection for your home.
These benefits include:
- Money saving
- Cover for a multitude of household items, property and more
- Quick and easy set up
- Gas Safe Certified engineers
- Peace of mind
- 24-hour claims line
What is Home Cover?
To put it simply, Home Cover is a way of protecting your home against urgent issues, such as electrical failure, burst frozen pipes or a boiler breakdown.
As with any insurance policies, Home Cover works by paying a monthly fee to cover your home against these emergencies, should they happen, and making a claim to get the problem fixed.
When you make a valid claim, we send out one of our nationwide network of Home Experts as soon as possible to help fix the issue on a temporary or, hopefully permanent basis.
With cover in place it means that costs for labour, parts and materials are covered by a generous claims limit so you don’t need to worry about any hidden costs.
Home Cover benefits
There are a number of advantages to taking out Home Cover. We’ve picked out six of our top-rated benefits to help you decide whether you’d like to add Home Cover to your policy.
Top 6 Home Cover benefits
1. Money saving
Home Cover won’t stop a problem from happening but it will cover you against the cost of the repair of an emergency. This can include cover for:
Monthly costs for each policy can vary depending on what level of cover you want and the level of excess you choose. Ultimately, whichever policy you decide to take out, you’re covering yourself against a large, costly repair bill, should the worst happen.
2. Cover for a multitude of household items, property and more
As you’ll see from the list above, we have a number of policies suitable for both homeowners and landlords. Whether it’s your boiler and heating, plumbing and drainage, your electrics or other household items, we can find a cover to suit your needs.
3. Quick and easy set up
Taking out one of our policies couldn’t be easier. All you need to do is fill out our online form, wait for confirmation and you’re ready to go.
4. Nationwide network of qualified engineers
If you find yourself in the situation where you’re looking for a tradesperson, you’ll no doubt understand that finding the right level of expertise isn’t always that easy. When you take out our Home Cover you’ll have access to our network of fully qualified engineers. Whether you need a Gas Safe registered engineer to fix your boiler or a qualified plumber to fix your dripping taps, we’ve got you covered.
5. Peace of mind
We’ve touched on the fact that taking out Home Cover can take away the stress and worry that comes with a home emergency, but by protecting your home in this way, you can be safe in the knowledge that if something goes wrong you can make a claim right away.
6. 24 hour claims line
It’s impossible to know if an emergency will happen, and often they can be at the most inconvenient times. But should something crop up, then you can make a claim via our claims line that allows you to speak to one of our agents 24 hours a day, 365 days a year.
Are there any disadvantages to Home Cover?
Unfortunately, we can’t cover everything, so our policies do come with some exclusions.
It’s worth mentioning that while there’s no limit to the number of claims you can make each year and each claim has a generous claims limit – however, this varies by which policy you choose, so it’s always worth looking into to ensure you’re getting the right level of protection.
Finding the best Home Cover for you
Finding the right Home Cover for you can be a bit of a daunting task. There’s many factors to consider when choosing the cover that is right for you and your home.
Make sure that you’re not only comfortable with your choice of cover, but you should be clear on exactly what you want to cover.
Check if you’re eligible by following these 3 points:
- Are you the homeowner?
- Are you covered by other policies?
- Do you live permanently at the stated address?
Ready to explore your Home Cover options?
If Home Cover sounds like something you’d like to explore further, then take a look at what HomeServe has to offer. On this page you can look closely at exactly what our cover includes and make sure it is right for you.