Insurance Class: Property

Home Emergency Assistance Insurance (HEA)

Home Emergency Assistance Insurance provides homeowners and tenants with swift and comprehensive support for unexpected issues that disrupt daily life. From plumbing leaks to heating failures, this coverage ensures immediate assistance and financial relief in emergencies.

We highly recommend Exance to any broker looking for reliable and professional insurance placement solutions

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The benefits of choosing Exance Home Emergency Assistance

Smarter
Solutions

A+ to unrated, we have paper to match your specific requirements

Proven
Track Record

A trusted reputation for excellence and long-term client success

Exceptional
Underwriting

Comprehensive coverage with flexible custom risk solutions

What Exance Home Emergency Assistance Insurance covers

  • Plumbing and Drainage Issues

    HEA Insurance provides immediate coverage for plumbing emergencies, such as burst pipes, water leaks, or blocked drains. These issues can cause significant damage and inconvenience if not addressed quickly, and our policies ensure rapid response from qualified professionals.

    By covering repair costs and minimising property damage, HEA supports brokers in offering a product that protects both homeowners and tenants from unexpected financial burdens.

  • Heating and Boiler Breakdowns

    When heating or boiler systems fail, especially during colder months, it can cause discomfort and even pose health risks. HEA Insurance includes coverage for boiler breakdowns, central heating failures, and emergency repairs to restore heating quickly.

    This feature is a valuable offering for brokers catering to homeowners who want peace of mind that essential systems will be repaired without delay.

  • Electrical Failures

    Electrical emergencies, such as power outages or wiring faults, can disrupt daily activities and compromise safety. HEA Insurance covers emergency repairs to restore power, ensuring that households are not left in the dark.

    With qualified electricians dispatched to resolve the issue, brokers can position this coverage as an essential solution for maintaining safety and functionality in homes.

  • Pest Infestations

    Infestations of pests like rodents, wasps, or cockroaches can be both a health hazard and a nuisance. HEA Insurance covers the cost of professional pest control services, ensuring swift and effective removal of infestations.

    This benefit highlights the practical, day-to-day value of HEA, allowing brokers to offer a comprehensive solution for household emergencies.

  • Broken Windows and Doors

    Unexpected damage to windows or doors can compromise security and leave homes exposed to weather conditions. HEA Insurance provides coverage for emergency repairs or replacements, ensuring safety and comfort for residents.

    This feature adds an extra layer of security, making it an attractive selling point for brokers targeting homeowners.

  • Roof Damage

    Severe weather or accidents can result in roof damage, leading to leaks or compromised structural integrity. HEA Insurance covers emergency repairs to protect the property from further harm and prevent costly long-term damage.

    Brokers can use this coverage to address concerns about the unpredictable impact of weather events on homes.

  • Lost Keys or Lock Malfunctions

    Being locked out of a home due to lost keys or a malfunctioning lock can be stressful and inconvenient. HEA Insurance includes emergency locksmith services to resolve the issue quickly and efficiently.

    This feature ensures clients can regain access to their homes without incurring out-of-pocket expenses, offering peace of mind and security.

  • Alternative Accommodation

    In cases where emergencies make a home temporarily uninhabitable, HEA Insurance covers the cost of alternative accommodation. This ensures that families are not left stranded during significant repairs or while resolving critical issues.

    This unique benefit sets HEA apart, giving brokers a key advantage in promoting comprehensive home protection solutions.

HEA Insurance provides immediate coverage for plumbing emergencies, such as burst pipes, water leaks, or blocked drains. These issues can cause significant damage and inconvenience if not addressed quickly, and our policies ensure rapid response from qualified professionals.

By covering repair costs and minimising property damage, HEA supports brokers in offering a product that protects both homeowners and tenants from unexpected financial burdens.

When heating or boiler systems fail, especially during colder months, it can cause discomfort and even pose health risks. HEA Insurance includes coverage for boiler breakdowns, central heating failures, and emergency repairs to restore heating quickly.

This feature is a valuable offering for brokers catering to homeowners who want peace of mind that essential systems will be repaired without delay.

Electrical emergencies, such as power outages or wiring faults, can disrupt daily activities and compromise safety. HEA Insurance covers emergency repairs to restore power, ensuring that households are not left in the dark.

With qualified electricians dispatched to resolve the issue, brokers can position this coverage as an essential solution for maintaining safety and functionality in homes.

Infestations of pests like rodents, wasps, or cockroaches can be both a health hazard and a nuisance. HEA Insurance covers the cost of professional pest control services, ensuring swift and effective removal of infestations.

This benefit highlights the practical, day-to-day value of HEA, allowing brokers to offer a comprehensive solution for household emergencies.

Unexpected damage to windows or doors can compromise security and leave homes exposed to weather conditions. HEA Insurance provides coverage for emergency repairs or replacements, ensuring safety and comfort for residents.

This feature adds an extra layer of security, making it an attractive selling point for brokers targeting homeowners.

Severe weather or accidents can result in roof damage, leading to leaks or compromised structural integrity. HEA Insurance covers emergency repairs to protect the property from further harm and prevent costly long-term damage.

Brokers can use this coverage to address concerns about the unpredictable impact of weather events on homes.

Being locked out of a home due to lost keys or a malfunctioning lock can be stressful and inconvenient. HEA Insurance includes emergency locksmith services to resolve the issue quickly and efficiently.

This feature ensures clients can regain access to their homes without incurring out-of-pocket expenses, offering peace of mind and security.

In cases where emergencies make a home temporarily uninhabitable, HEA Insurance covers the cost of alternative accommodation. This ensures that families are not left stranded during significant repairs or while resolving critical issues.

This unique benefit sets HEA apart, giving brokers a key advantage in promoting comprehensive home protection solutions.

Your quick guide to Home Emergency Assistance Insurance

What is Home Emergency Assistance Insurance?
Home Emergency Assistance Insurance is designed to provide fast and effective support for unexpected home-related emergencies. It ensures immediate access to professional assistance, reducing the stress and financial burden of urgent repairs or interventions.

Who Needs Home Emergency Assistance Insurance?
HEA Insurance is ideal for homeowners, landlords, and tenants who want to safeguard themselves from the costs and inconvenience of unexpected home emergencies.

The benefits of Exance Home Emergency Assistance Insurance

The Benefits of Exance Home Emergency Assistance Insurance
  1. Fast Response Times

    Ensures qualified professionals are dispatched promptly, minimising disruption and preventing further damage.

  2. 24/7 Emergency Hotline

    Provides round-the-clock support, so clients can report emergencies and get assistance anytime.

  3. Comprehensive Coverage

    From plumbing to pest control, HEA covers a wide range of emergencies, ensuring clients are prepared for any situation.

  4. No Excess Charges

    Our policies often include no excess, meaning clients can access emergency services without additional financial strain.

  5. Peace of Mind

    Clients can rest assured knowing that help is available for any home emergency, reducing stress and uncertainty.

Frequently Asked Questions

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What does Home Emergency Assistance Insurance cover?

Home Emergency Assistance covers a range of emergencies, including plumbing issues, boiler breakdowns, electrical failures, roof damage, lost keys, and more.

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Does Home Emergency Assistance cover ongoing maintenance?

No, Home Emergency Assistance is designed for sudden and unexpected emergencies, not routine maintenance or pre-existing issues.

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Are there limits to the coverage?

Each policy has specific coverage limits and exclusions. Brokers should review policy details with clients to ensure they understand the terms.

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Can tenants purchase Home Emergency Assistance Insurance?

Yes, tenants can purchase Home Emergency Assistance to protect themselves against emergencies that are their responsibility.

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What is not covered under Home Emergency Assistance Insurance?

General wear and tear, pre-existing issues, and maintenance tasks are not covered. Policies may also exclude certain high-value repairs.

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Why is Home Emergency Assistance Insurance important for landlords?

Landlords can use Home Emergency Assistance to ensure quick repairs and minimise disruptions for tenants, helping to maintain good landlord-tenant relationships.

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How does the 24/7 emergency hotline work?

Clients can call the hotline at any time to report emergencies, and our team will coordinate the necessary response.

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