How is home emergency cover different to home insurance?

Home insurance focuses on covering the damage resulting from specific incidents, not the events themselves. For instance, if your carpet sustains water damage due to a burst pipe, you’d file a claim under your contents policy. However, home insurance doesn’t cover the costs of hiring a plumber to fix the damaged pipe.

Role of Home Emergency Cover

Home Emergency cover, on the other hand, addresses the immediate resolution of emergency situations. In the scenario of a burst pipe, it would cover the costs of a contractor to repair the pipe, not the resulting damage to the carpet.

Policy Considerations

Understanding the distinctive roles of home insurance and Home Emergency cover allows homeowners to make informed decisions when crafting a comprehensive insurance policy that addresses both long-term protection and immediate emergency response.

Tip:

Refer to the policy book for a comprehensive list of coverage details and exclusions.

Summary

Explore the unique roles of home insurance and Home Emergency cover to tailor a comprehensive insurance strategy that addresses both long-term protection and immediate emergency response.