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Average Cost of Home Emergency Cover 2020

Cheap Home Insurance in Your Area

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The cost of Home Emergency cover will vary based on a number of factors. Your premium will mostly be affected by the amount of cover (e.g., £250 per claim, £1,000 per claim, etc.) and the types of events (e.g., boiler breakdown, a burst pipe, home security, pest infestation, etc.) covered by the plan. We've surveyed dozens of Home Emergency plans in the UK market to determine the average cost of Home Emergency cover. Use this information to help understand if you're being offered a good deal or not.

Picture of Tradesman Writing a Bill for a Boiler Repair

Add-On Home Emergency Plans

According to our survey, the cost of adding Home Emergency cover to your buildings cover is around £47 per year. These add-on plans typically include the major cover areas, such as boiler, heating, plumbing, electrics, home security and pest control, plus most offer some reimbursement for alternative accommodation and travel (from £250 to £1,000) in case your home is temporarily uninhabitable as a result of the emergency. Most add-on home emergency plans do NOT include an annual boiler service, so you'll need to source that elsewhere at a cost of around £80.

Cost of Add-On Home Emergency Cover
How much is add-on Home Emergency cover?
ProviderAnnual Cost
Admiral£25
John Lewis£33
Halifax£40
More Than£40
Tesco£44
Admiral£45
Sainsbury's£45
LV=£50
First Direct (HomeServe)£52
M&S (HomeServe)£56
Churchill£58
Direct Line£60
Aviva£76
Average£47

Standalone Home Emergency Plans

The average cost of a premium standalone Home Emergency plan ranges from around £50 up to £300 per year—a premium plan includes protection across the 6 major categories of boiler, heating, electrics, plumbing, home security and pest control. Buying a Home Emergency plan separately from your building cover is usually a more expensive way to get protection against events like a burst pipe or a broken boiler—but it may be your only option if your existing buildings cover doesn't offer home emergency as an add-on feature, or if you want emergency cover in the middle of your policy year but can only buy it as an add on at renewal time.

Standalone Home Emergency plans under £200 per year don't usually include an annual boiler service or any financial assistance with boiler replacement, whereas the more expensive plans should give you both. When purchased independently a boiler service will cost around £80, give or take. Whether or not it's included in your insurance plan, you should get your boiler serviced each year. This is important not just to help ensure the proper functioning of your boiler, but also because most Home Emergency plans won't cover a boiler that hasn't been serviced in the past 12 months.

Cost of Premium Home Emergency Cover
How much is premium Home Emergency cover?

Home Emergency Cover: Boiler, Heating, Electrics, Plumbing, Home Security & Pest Control


Provider
Plan NameAnnual Boiler ServiceExcessBoiler Replacement^Annual Cost
A+PlusNo£50No£54
Frank PicklesNo£100No£55
SurewiseGoldNo£50Depends£60
RowComplete CoverNo£50Yes£150
Home Emergency AssistComplete CoverNo£50Yes£171

Home Emergency Assist
Complete Cover with Annual Boiler ServiceYes£50Yes£243
HomeServeHomeServe Cover 8Yes£50Yes£276
ReactiveHome Emergency PremierYes£0Yes£307
247Boiler Breakdown Deluxe PackageYes£75No£312

^Boiler replacement is usually subject to terms and conditions, such as "We'll replace your boiler under 7 years old if unrepairable; If your boiler is over 7 years of age and we deem it beyond economical repair then we will give you a cash settlement of £300, that vary from provider to provider."

If you're not interested in Home Security or Pest Control, you may be able to find a slightly cheaper insurance plan. Cover including an annual boiler service start around £160 and go up to £240 or so—including the boiler service which is valued around £70 to £80.

Home Emergency Cover: Boiler, Heating, Electrics & Plumbing

ProviderPlan NameAnnual Boiler Service?ExcessAnnual Cost
247Home Emergency StandardNo£75£90
YourRepairHeating, Plumbing & Electrical CoverYes£60£168
Corgi HomePlanStarterYes£60£168
British GasHomeCare FourYes£60£212
HomeServePlumbing, Heating & ElectricsYes£50£240

Final Thoughts

Recent data from the FCA showed that the average Home Emergency claim was £163, with a range of £80 to £260 across a variety of insurance providers. Claims frequency hovered around 20%, meaning about 20% of policies submitted a claim each year. With these numbers in mind, Home Emergency cover might not represent good value for most people, especially when purchased as standalone products at an average cost of £150. However, if you can add on Home Emergency cover at a cost around £50 you might find it worth the cost—especially for the peace of mind knowing you'll have 24-hour access to a group of qualified tradesmen to help should the need arise.

Cheap Home Insurance in Your Area

Quickly compare over 3 dozen UK insurance providers. Only one form to fill out.

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