What is included in home emergency cover in Australia and UK is 24/7 assistance for urgent breakdowns that make home unsafe or uninhabitable, covering call-out, labour and parts up to limit $500 to $1,000 per event. Home emergency cover typically includes plumbing emergencies like burst pipes, leaking pipes causing water damage, blocked drains and toilets causing overflow, with plumber call-out $200 to $500 and repair up to $1,000. It includes electrical emergencies like complete power failure due to internal wiring fault, fuse box failure and unsafe exposed wiring, with electrician call-out and repair up to $1,000. It includes heating and hot water failure, especially boiler breakdown in UK, with engineer call-out and repair up to $500, important in winter. It includes security emergencies like broken locks, broken windows and doors making home insecure, with locksmith and glazier call-out $200 to $400 and boarding up. It includes roof damage causing leak, with temporary repair. It includes pest infestation like wasps nest in some policies. It does not include wear and tear, gradual leaks, appliance breakdown unless causes emergency, or pre-existing faults. In Australia, included as add-on to building insurance $50 to $100 per year from Allianz and NRMA, or standalone $150 to $300 from Emergency Home Cover providers, covering plumbing, electrical, heating, security and roof emergencies with 24/7 helpline.
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