Do you have to pay excess for home emergency cover?

Do you have to pay excess for home emergency cover depends on policy, but generally no excess or low excess $0 to $100 for emergency add-on, while standalone may have excess $0 to $75. In Australia, home emergency cover as add-on to building insurance from Allianz, NRMA, Budget Direct and RACV Emergency Home Assist typically has $0 excess for members, meaning you pay $0 out of pocket for call-out and repair up to limit $500 to $1,000 per event, with annual limit 3 call-outs, as part of $50 to $150 per year add-on. For example, RACV Emergency Home Assist $109 per year has $0 excess, covers call-out $200 to $400 and repair up to $1,000. Some budget emergency covers may have excess $50 to $100 to reduce premium. In UK, home emergency cover from British Gas HomeCare, HomeServe and Aviva often has excess $0 to £75, with many policies $0 excess for boiler and plumbing, some with £50 excess for roof and security. For standalone home emergency cover $150 to $400 per year, excess usually $0 to $50. However, if emergency leads to building insurance claim for water damage $5K to $20K, that building claim will have excess $500 to $1,000 under building policy. So for home emergency cover itself, you usually do not pay excess or pay small $0 to $100, but check PDS, as some budget policies have $75 excess to keep premium low.