Coming home to an emergency such as water pouring from the ceiling or a broken-down boiler can be distressing, so it’s important to have good home emergency cover.

8 THINGS TO CONSIDER TO ENSURE YOU HAVE ADEQUATE PROTECTION

Boilers
Some insurers won’t insure your boiler if it’s over 15 years old. If you own an older boiler, then ensure it’s covered before signing on the dotted line.

Plumbing
Water leaks can cause lots of damage so identifying and fixing any problem quickly is important. Be aware of what any insurance policy does and doesn’t cover in these circumstances.

Security
If you have an attempted or actual break-in, or if the locks on your windows or doors simply break, your home may be left insecure. Check your cover responds as an emergency so that your home can be quickly secured.

Power supply
It’s only when you lose your power supply that you fully appreciate how much we rely on it. Without power in your home you may have no lighting, heating, washing or cooking facilities, and you won’t be able to use any mains powered devices.

Roof damage
The roof over your head protects you and your property from the elements. Swift action is required to repair a roof which has been damaged as a result of a sudden unexpected event such as severe weather.

Vermin infestation
If you’re not thrilled about the idea of sharing your home with uninvited guests such as rats, mice, bees, wasps etc then check if your insurance covers you for their immediate removal.

Toilets
A damaged toilet doesn’t bear thinking about. Good home emergency insurance should cover you if your toilet is smashed, blocked, won’t flush, or if the waste pipe leaks or breaks.

Alternative accommodation
If you’ve suffered an emergency such as those described above and your home is unsafe, unsecure or uncomfortable to stay in, then home emergency cover should pay for your alternative accommodation costs.

Simon Godding, Agent, NFU Mutual Wessex