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Rebecca Ellinsworth March 9 - Home Emergency Cover

Which Home Insurance Policy Will Include Home Repairs?
Home emergency insurance is a contract between you and the insurer that pay out in the event of major disasters that leave you without a home to live in. Home emergency cover normally pays out if your home is damaged by fires, floods, earthquakes, hurricanes, or other major incidents. The policy typically pays out to the amount of your home value. However, it is important to understand that the actual cash value of your property may be much lower than the amount the insurer pays out.

Home emergency cover typically covers you for problems with your central heating and electrical systems, plumbing, or household safety. Some policies even provide cover for problems like roof damage or pest infestation caused by bad weather. Some companies only provide home cover for disasters that happen while you are renting your house or are still paying on it. If you do not own the home yourself, you usually do not need home emergency insurance. Home cover is available for those who own their own homes however.

How does home emergency insurance work? Home insurance would usually cover regular repairs and replacements for your property. However, the details of what is covered differs from insurer to insurer. For example, you may be covered for such things as plumbing issues caused by flooding or a burst pipe, as long as they are not listed as previously suffered accidents. However, if a problem was due to something specific, such as plumbing that was caused by loose or worn pipe fittings, then you would have to contact your homeowner's insurance company to find out exactly what they will pay for.

Generally, home emergency insurance covers issues that occur within twelve months of purchase date. This includes fires, burst pipes, weather damage, roof damage, vandalism, and theft. There are different aspects of home emergency insurance cover that usually only relate to one or two specific emergencies.

One example is if you live in flat where the main living room floor is finished off with a concrete slab. In the event of a complete failure of this floor, or a crack in any part of the structure leading to water penetration, your home emergency insurance would cover the cost of waterproofing the entire house. This would exclude things like gas boilers and central heating systems. You could, however, insure the concrete slab itself for the same amount of money.

Some home insurance policies also cover accidental damage to the structure, including leaks, breaks, or cracks. This means that if the house happens to suffer an accidental leak, for example, your home emergency insurance policy would cover the cost of repairs. If the homeowner did not keep up on routine maintenance, such as sealing leaks, then the damage could get progressively worse over time. Again, this could exclude things like gas boilers and central heating systems.

In order to be completely covered, your home insurance policy should contain a provision which specifically states that all damage to the structure, as well as any accidental damage, should be covered by the policy. This can usually be found in the small print of a document, or listed in the event of your having to claim. It may also cover damage that is caused by natural disasters, such as flooding, storm damage or the payout of personal injury claims.

If your central heating system is faulty, or you have a leak in the basement, this will normally also be covered by your home insurance. Similarly, repairing damage to a water pipe will also be covered. If there is damage to your home caused by theft, vandalism, riots, war, explosions, flood or fire, your insurance should include emergency repairs. In the event of a break-in, your home insurance will cover the cost of locks and security systems.

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