What is the best home emergency cover in 2022?

Moneyfacts financial experts take a microscope to thousands of products on an annual basis. The results are our Annual Star Ratings which are respected for their attention to detail and impartiality.

We look closely at the features of each home emergency cover product and the real benefits that these bring to consumers. Examples of the kind of features we look for are shown in the section below – ‘What elements do we use to determine a star rating?’.  

Our experts carefully assess and evaluate the range of benefits to decide on those that deserve a five or four star rating. These are the products that consumers can trust to provide the best home emergency cover for 2021.

We consider an extensive range of features when assigning a star rating to a home emergency policy. These include:

Home emergency cover is usually an additional cover to your standard home and contents insurance policy. It covers you should an event an occur that makes your home uninhabitable, causes permanent damage, risks your health and safety or makes your home unsafe. For example, a boiler breaking down would be an emergency, along with burst pipes and even lost keys or an infestation of mice or rats. You will need to check with your home emergency provider exactly what events they will cover, for example some policies will include boilers as a standard while other will need a stand-alone policy.
It differs to home insurance, that covers you for the cost of replacement or repair of damage to your home and contents.

Home emergency cover policies usually have a maximum amount of money that they will cover for individual repairs and labour costs and a cap on the number of callouts allowed each year. Usually claims within the first 14-days of taking a policy will not be honoured. You will still need to take reasonable care of items covered under the home emergency policy, such as making sure your boiler is serviced every 12-months. If the home emergency provider thinks you have not maintained items properly, they will refuse to cover the repair costs. You should also be aware that your cover could become void if the property has not been occupied for 30 days.

Our star rating system makes it easy for you to see which are the truly exceptional home emergency cover products. Picking from our five or four star rated products means you can be assured you are choosing a quality product, that has been rated by experts, as being one of the best available.

Admiral - Home Emergency Cover
Age Co - Home Emergency
ARAG - Home Emergency Solutions - £1,000 limit
ARAG - Home Emergency Solutions - £500 limit
Aviva - Aviva Response - Heating, Plumbing, Electrics and Security
Aviva - Home Emergency Cover
AXA Direct - HomeSmart - Home Assistance
AXA Direct - HomeSure - Home Assistance
AXA Direct - HomeSafe - Home Assistance
Azur Underwriting - Smart Home Emergency
Barclays - Home Emergency Cover
Barclays - Premium Home Emergency
BIG Warranties - Home Emergency Cover
British Gas - Home Assistance
Cavere Insurance - Home Emergency Assistance
Cavere Insurance - Home Emergency Cover
CETA - Residential Emergency Assistance
Chelsea Building Society - Home Emergency Assistance
Cherish Insurance - Home Emergency
City Insurance Group - Residential Home Emergency
Clydesdale Bank - Home Emergency Assistance
Complete Cover Group - Home Emergency
Computerquote - Gold Home Emergency Assistance
Confidas - Home Emergency
Direct Line - Select Premier Home Emergency
Ecclesiastical - Art & Private Client Home Emergency
EDF Energy - Total Protect
Emerald Life - Home Emergency Solutions
first direct - Home Emergency Cover
Hastings Direct - Home Emergency Cover
Hiscox - 606 Home Insurance Home Emergency
Hiscox - Home Emergency
Home & Legacy - Ultimate Home Emergency Assistance
Home & Legacy - Ultra Home Emergency Assistance
Home Emergency Assist - Premium Complete Cover
Home Emergency Assist - Enhanced Complete Cover
Home Emergency Assist - Premium Boiler, Heating, Plumbing & Drainage
Home Emergency Assist - Enhanced Boiler, Heating, Plumbing & Drainage
HomeGuard - Plus Cover Level
HomeProtect - Home Emergency Cover
HomeServe - Heating, Plumbing and Electrics Plus
Horizon - Latitude Home Emergency Service
Horizon - Longitude Home Emergency Service
HSBC - Select and Cover Home Emergency
HSBC - Home Emergency
Insure4Retirement - Choice Home Emergency Cover
Insure4Retirement - Home Emergency Cover
Ipswich Building Society - Home Emergency Assistance
John Lewis Finance - Premier Home Emergency Cover
Kindertons - Residential Home Emergency
Leeds Building Society - Home Emergency Cover
Leek United - Home Emergency Assistance
Legal Protection Group - Home Emergency Assistance (£1,000 Limit)
Legal Protection Group - Home Emergency Assistance (£500 Limit)
Loughborough Building Society - Home Emergency Assistance
LV= - Home Emergency
M&S Bank - Home Emergency Cover
MORE TH>N - Home Emergency Cover
Motability - Home Emergency Assistance
Nationwide Building Society - Home Emergency Cover
NatWest - Premier Home Emergency
NFU Mutual - NFU Mutual Bespoke Home Emergency
NFU Mutual - Home Emergency
Nottingham Building Society - Home Emergency Assistance
NPA24:7 - Gold
Oak Underwriting - Home Emergency Service
Paymentshield - Home Emergency Cover
Pen Underwriting - Home Emergency Insurance
Plum Underwriting - Amethyst Home Emergency
Plum Underwriting - Premier Home Emergency
Police Mutual - Home Emergency Cover
Policy Expert - Home Emergency Plus
Quotemehappy.com - Home Emergency Cover
Row.co.uk - Complete Cover
Royal Bank of Scotland - Premier Home Emergency
Saga - Home and Heating Emergency
Sainsbury's Bank - Home Emergency Cover
Santander - Home Emergency Cover
Smart-Cover Insurance - Home Emergency Essential
Smart-Cover Insurance - Home Emergency Essential +
Smart-Cover Insurance - Home Emergency Premium +
Smart-Cover Insurance - Home Emergency Premium
Smart-Cover Insurance - Home Emergency Standard +
startrescue.co.uk - Platinum
startrescue.co.uk - Gold
Swiftcover - Home Assistance
Swinton Insurance - Home Emergency Cover
Tesco Bank - Home Emergency Cover
TSB - Home Emergency Cover
Uinsure - Home Emergency Cover
Utility Warehouse - Boiler & Home Cover
Utility Warehouse - Home Emergency Insurance
Vernon Building Society - Home Emergency Assistance
West Bromwich Building Society - Home Emergency Assistance
Yorkshire Bank - Home Emergency Assistance
Yorkshire Building Society - Home Emergency Assistance
YourRepair - Complete Home Plan 5

Assurant Intermediary Limited - Home Emergency Cover
Aviva - Aviva Response - Heating and Plumbing
Bradford & Bingley - Home Assistance
British Gas - HomeCare Four
Churchill - Home Emergency
Co-op Insurance - HomeRescue Plus
Direct Line - Home Emergency
Endsleigh - Home Emergency Expenses
esure - Home Emergency
First Underwriting - Premier Home Emergency
First2Protect Insurance Services - Home Emergency Insurance
Home & Legacy - Prestige Home Emergency Assistance
Home Emergency Assist - Enhanced Boiler, Heating & Utilities
Home Emergency Assist - Premium Boiler, Heating & Utilities
HomeServe - Plumbing, Heating and Electrics
iGO4 Insurance - Home Assistance
Intelligent Insurance - Home Emergency Plus
John Lewis Finance - Plus Home Emergency Cover
John Lewis Finance - Essential Home Emergency Cover
Magnet Insurance - Home Emergency
NatWest - Home Emergency
NatWest - Premier Reward Black Account
NPA24:7 - Silver
OneClickCover - Home Emergency Cover
Palladium Underwriting - Home Emergency Solutions
Paragon - Home Emergency
Privilege - Home Emergency
RAC - Home Assistance
Royal Bank of Scotland - Home Emergency
Royal Bank of Scotland - Premier Reward Black Account Home Emergency Cover
Sheilas' Wheels - Home Emergency
Smart-Cover Insurance - Home Emergency Standard
SunLife - Home Assistance
Ulster Bank - Home Emergency

No, your landlord is responsible for arranging home emergency cover for their premises.

Find out more about buy-to-let insurance.