What is Home Emergency cover?

If your client ever faces a home emergency, we can help make their life a little easier. 

Whether it’s a break-in, broken boiler or failed central heating system, our Home Emergency cover can help take away some of the stress.

To make the process easy for you and your clients, our Home Emergency cover is included in our Gold and Platinum products. 

Once in place, your clients will receive up to £1,000 (including VAT) of cover, which helps with call-out and labour charges for emergency home repairs.

Plumbing work

Our Home Emergency cover includes:

Security emergencies – a break-in, or vandalism such as smashed windows or broken locks.
Supply failure – failure of your client’s water, gas or electricity supply.
Storm damage – roofing problems such as leaks or tiles blown off during a storm
System failure – the failure of your client’s central heating system. 
Sudden damage – any damage that lets water into your client’s home, or reduces the security of their property. 


What isn’t covered?

Home Emergency Cover doesn’t include day-to-day maintenance or pre-existing problems, like wear and tear, damp, or rot. It’s also helpful to know that your client won’t be covered for any permanent repairs once their emergency has been settled.

Our policy doesn’t cover the total failure of or boilers and warm air units that haven’t been serviced in the last 3 years. 

Lastly, although Emergency Cover is available on Contents only policies for leasehold or shared ownership properties, it isn’t available for tenants’ contents policies. 

To help you find the right level of cover for your clients, we’ve created a leaflet which shows you exactly what’s included and what’s not.

We’re on hand to help 

Your clients know you’ve got their back, so we’ve got your back too. If you have any questions about LV= insurance policies, please get in touch. Our specialist intermediaries team is on hand to help you, every step of the way.