When something goes wrong at home, it rarely waits for a convenient moment. A burst pipe, broken boiler, or failure of a security alarm can quickly turn into a stressful and expensive situation. That’s where Home Emergency Insurance steps in, providing fast, practical support when you need it most.
At Boshers Insurance, we believe in straightforward protection that does exactly what it says on the tin. Home Emergency cover is designed to give holiday let and holiday homeowners peace of mind, offering access to approved tradespeople and helping cover the cost of urgent repairs to keep your property safe and habitable. Rather than facing unexpected call-out fees or scrambling to find reliable help, you can have a clear plan in place when emergencies strike.
Whether you’re protecting your second home or a rental property, understanding how Home Emergency Insurance works is key to choosing the right level of cover. From plumbing and heating failures to electrical faults and security issues, this guide explains what’s typically included, what to look out for, and how the right policy can help you avoid disruption, minimise damage, and get life back to normal as quickly as possible.

Why choose our Home Emergency Insurance policy?

When you think about the unexpected happening, such as burst pipes in winter, sudden boiler breakdowns, or loss of keys, you need peace of mind, not panic. Home insurance emergency cover is the reassurance that, no matter the time or severity, expert help is just a phone call away.
Most standard home insurance policies exclude urgent repairs that need immediate attention: a burst pipe, blocked drains, broken windows. That’s where Home Emergency Insurance comes in. You’re not just paying a premium; you’re investing in prompt, professional support. Should you need plumbers, electricians, heating engineers who are vetted, insured and ready to restore your home to normal, Home Emergency Insurance through Boshers can be your safety net should the unexpected happen.

What does the policy provide?

This cover can provide you with a financial safety net. Emergency call-out fees alone can cost upwards of £100 if you don’t have insurance.

We are now pleased to announce that we can offer you Home Emergency Insurance with our partners ARAG, to cover the following emergencies:

Main Heating System

If your boiler or primary heating system breaks down unexpectedly, Boshers Home Emergency cover helps arrange prompt repairs to restore heating and hot water. This ensures your home remains warm, safe and comfortable, especially during colder months.

Plumbing & Drainage

Sudden leaks, burst pipes or blocked drains can cause serious disruption and damage if not dealt with quickly. Home Emergency Insurance through us provides fast access to qualified tradespeople to resolve urgent plumbing and drainage issues.

Holiday Home Security

If your holiday home suffers a security emergency, such as damaged locks or doors, immediate action is essential to protect the property. Boshers Insurance helps arrange emergency repairs to secure your holiday home and prevent further risk.

Toilet Unit

A broken toilet can quickly become an urgent problem, particularly if it’s the only one in the property. Home Emergency cover supports emergency repairs to restore essential sanitation as quickly as possible.

Domestic Power Supply

Unexpected electrical failures can leave your home without lighting, heating or essential appliances. This coverage can help organise emergency assistance to address power supply faults safely and efficiently.

Alternative Accommodation Costs

If a home emergency makes your property unsafe or uninhabitable, temporary accommodation may be necessary. This policy can help cover alternative accommodation costs while essential repairs are carried out.

Our policies can also cover vermin infestations and lost keys. The cover ensures a qualified tradesperson is dispatched promptly, often 24/7, with the cost of call-out, labour, and parts usually included up to a set limit; it’s designed to fix the immediate problem and prevent further damage.

Please note that unfortunately we cannot offer cover for or contribute towards boilers that are beyond economical repair.
Don’t wait for an emergency to find out how prepared you are. With Boshers Insurance Home Emergency Insurance, you can protect your home, your finances and your peace of mind with reliable cover designed to respond when it matters most. Our policies give you quick access to trusted professionals and clear, dependable support with no fuss, and no confusion. Speak to our team today or get a quote to make sure your home is ready for the unexpected, whatever comes your way.

For information on our Home Emergency Insurance, or to request a quote, contact us today!

Call: 01237 429 444
Or email: info@boshers.co.uk

Boshers® Insurance Services is a trading style of Lloyd & Whyte® Ltd who are authorised and regulated by the Financial Conduct Authority (FRN 306077). Registered in England No. 03686765. Registered office: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. VAT Registration No. 477 7248 00. Calls may be recorded for use in quality management, training and customer support.