What’s covered by Home Emergency?

Home Emergency covers you for up to £1,000 (inc. VAT) against call out charges, labour and materials for immediate repairs to stabilise and remove the emergency. This is included as standard with the Home Cover Extra policy and you can add this cover to the Everyday Home Cover policy for an additional premium. Tenants are not eligible for Home Emergency Cover on either policy. If you’re a tenant, you shouldn’t add this cover.

Legal & General will send a repairer to assess the situation and carry out emergency work arising from:

  • Burst pipes or sudden leakage.
  • Break in or vandalism, compromising the security of your home.
  • Storm damage causing water to enter your home or likely to cause further loss or damage to your home or its contents.
  • Impact damage by falling trees, or by a vehicle or a plane or aerial debris.
  • Failure of your domestic water mains supply leaving you with no running water.
  • Failure of your gas supply pipe leaving you unable to use your gas appliances.
  • Failure of your domestic electricity system leaving your home without electricity.
  • Blocked drains.
  • Failure of your domestic hot water system.
  • Total failure of your central heating system between the months of September and April.
  • A smashed toilet bowl or cistern, or breakage of the cistern internal mechanism that prevents flushing.
  • Emergency repairs if subsidence or heave or landslip causes sudden damage allowing water to enter or compromise the security of your home by breaking external windows, doors or their frames.

Home Emergency is provided through AXA Assistance (UK) Limited.

Limitations and exclusions apply, for example Legal & General don’t cover boilers and warm air units over 8 years old. For details of the cover and what’s not included, please refer to the policy booklet.

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