Do You Need Home Emergency Cover?

When considering whether you need home emergency cover for your park home, it’s worth remembering that it is designed to work alongside your household buildings and contents cover. It’s independent of the day-to-day maintenance of your home and contents and is designed for genuine emergencies.

You may have maintained your home well, been accident-free and secure and still an emergency can arise. Storms, floods, mechanical failures in boilers or internal electricity and heating systems are just some of the things that could surprise you and suddenly throw you into an emergency situation.

Home emergency cover is designed to cover most of your immediate needs should such an emergency arise. Here is a list of what to think about when considering whether you need home emergency cover.

  1. Heating

What would you do if you are suddenly left without heating and/or hot water?

  1. Alternative heating

What happens if you lose your heating in winter? Are you covered to get help with alternative heating should it be necessary in the event of a claim?

  1. Plumbing and Drainage

Do you need emergency cover for your drains, your internal plumbing and your central heating plumbing?

  1. Roofing

What would you do if water seeped through a damaged roof? Storms, high winds and rain, for example, can cause loose, damaged or lost roof tiles and water can then get in. Who would you contact and could you be sure they could respond quickly?

  1. Internal Electricity

A sudden failed electrical circuit can present significant challenges that need immediate attention. Your home emergency cover should include this as standard.

  1. Pest Infestation

Wasps, hornets, mice, rats, cockroaches and other pests can present a genuine health risk. If this concerns you, then you should look for cover that includes this type of event in what they consider to be an emergency.

  1. Boiler Replacement

You might lose your boiler because of a sudden failure, would you be prepared for this? In winter conditions, it can be a serious emergency. Knowing that you are covered for £500 of the cost of a replacement like-for-like boiler might give you some reassurance that you can resolve the problem as swiftly as possible.

  1. Overnight Accommodation

Sometimes, the emergency is severe and you need to temporarily move out of your park home while the immediate problem is stopped. Is there provision for you to take overnight accommodation in your home emergency cover? This can help you to have the peace of mind that if it is really bad you will have somewhere comfortable and safe to go to.

Park Home Assist offers home emergency cover that is designed to work alongside your home buildings and contents insurance. It gives you the peace of mind and reassurance that should you have a home emergency, a qualified contractor will be sent out to deal with it. There is no excess to pay and unlimited claims of up to £1,000 are allowed.

With home emergency cover from an experienced team like ours, you may find yourself in difficult circumstances but with the assurance that with one phone call, you can have your claim and the emergency situation dealt with swiftly by professionals. 

Finally, you can get the most from an experienced insurance provider, who knows the type of scenarios that often arise in claims under home emergency cover for park homes.

This is a marketing article from Park Home Assist, multi-award-winning providers of residential park home insurance.  If you would like to speak to an advisor regarding insurance for your park home, please contact our friendly team in our Northampton office on 01604 946 796.

Please note that all insurance cover is subject to acceptance of terms and conditions.

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Published – 10/11/23