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Does Home Insurance Cover Boiler Repairs?

When winter comes, your boiler is most likely to be one of the most used appliances in your home. It keeps operating for several hours to ensure your house remains warm and conducive and then during those cold evenings, it supplies the much needed hot water to guarantee a restive night. But with so much usage and many moving parts, you’d naturally expect your boiler to breakdown at some point especially if it’s 7 years old or above. So what’s the next line of action when it happens, leaving your radiators off and water cold? With the likely high boiler repair cost, it’s only logical to consider whether your boiler repairs is covered by your home insurance.

In almost all situations, the standard home insurance will not provide coverage for the cost of repairing or replacing a broken boiler. Being fully aware that boiler breakdowns are mostly caused by a lack or not so regular maintenance practices or servicing, most home insurance providers will exclude it from this from their offerings. In fact, a home insurance is more likely to provide coverage for the damage that has happened as a result of a broken appliance. For instance, the damage caused as a result of gas, oil or water leaking from a boiler are more likely to be paid for by the home insurance providers, but they’ll not pay for the repair or replacement of the broken boiler itself.

If you need our home insurance to cover your boiler repair, then you might just be able to get an extra insurance cover from your provider that includes a broken boiler repair. You can consult them to determine if this is possible as well as the cost to be paid per month. This will normally cost about £5 to £10 per month, but it gives you a peace of mind knowing you’re covered if your boiler happens to breakdown.

Are you worried about blocked drains? Yes, you probably should! As a homeowner ( with a detached, semi detached or terraced house), all plumbing and drainage issues within your home or even within your property boundary is your responsibility. Hence, you’d might want to consider getting a Homeserve plumbing and drainage cover to help keep your home running smoothly and putting your mind at ease. The only exception here is if the drain in question is a lateral drain which is a common feature in flats. In this situation, it’s only the building managers that would be responsible for the maintenance of the drainage as it’s shared between several homes. Before 2011, the various flats or houses that shares the lateral drain are responsible for its maintenance.

Working with top utility companies for over 2 decades, Homeserve has positioned itself as one of the leading home assistance providers in the United Kingdom. With their top notch services, they’ve been able to make their client’s lives a lot easier and stress free through the provision of a wide array of repair solutions such as drainage, plumbing, heating, electrics and a lot more.

As a homeowner with the responsibility of maintaining the drains and ensuring there’s no block or damage, it’s simply a no brainer to go for a plumbing and drainage cover and more importantly, get good cover. Homeserve are one of the providers but there are a number of others which offer great service at competitive prices. Without an insurance in place, you may just have to break the bank just to have an engineer or plumber to fix any plumbing or drainage issue you might have. So why not give yourself a peace of mind and get a cover today?

First and foremost, the purpose of a landlord insurance is simple and pretty straightforward. It protects against risks associated with your rental property as well as activity. Most policies start out with building insurance as well as property owners’ liability insurance but you’re absolutely free to include several other covers. These covers can include tenant default or accidental damage, loss of rent and more depending on your needs. It’s important to note that varying types of landlord insurance provides coverage for different sorts of risks. For instance, building insurance provides coverage for the cost of repairing or rebuilding your property, while contents insurance provides coverage for contents if they’re damaged or stolen. However, the question is, does landlord insurance cover boiler? In this post, we’re going to shed more light into this to help you make informed decisions moving forward. Let’s take a look!

The short and simple answer to this question is yes, landlord insurance can definitely cover boiler break down! However, this is usually possible only if you select this option when you purchase your landlord insurance policy. With some boiler cover providers, you’ll have to include a home emergency cover to your landlord insurance so as to cover any form of boiler break down. Once this is done, if the boiler in your rental property starts to malfunction or stops functioning, a Gas Safe registered engineer would be sent to your premises to help out with the situation. With this, the repairing cost of your heating system would be covered by the insurance excluding any excess and up to the limit of your policy.

Condensing boilers are the in-thing when it comes to modern heating systems in UK homes and across the globe for a good reason. This is primarily due to the fact that condensing boilers happens to be highly efficient as it enables the fuel you’re burning to heat up your home go a lot further. Having a new high efficiency condensing boiler rather than an old G-rated non condensing boiler will not only enhance your heating controls, but also save you a lot of money annually. In this article, we’re going to take you through the basics of a condensing boiler. Let’s take a closer look!

If you’re interested in getting a greener and more efficient boiler, you simply can’t afford to look beyond a high efficiency condensing boiler. This is purely due to the fact that these condensing boilers happens to make a better use of the heat they’re able to produce from burning fuels like oil or gas ( in other words, they require less heat from the burner, which makes them a lot more efficient).

So how does a condensing boiler work? Unlike a non-condensing heat-nly boiler, some heat will be wasted in form of hot gases which are released from the flue. Meanwhile a condensing boiler captures some of the heat from these gases and puts them to use for heating up water that’s coming back from your central heating system. As a result, it requires just a minimal heat from the burner which make the boiler more efficient.

You should take note that all new modern boilers are condensing boilers. Therefore if you’re planning to replace an old boiler with a new one, you’ll definitely be buying a new condensing boiler and benefit from all the efficiency and savings that comes with it.

A terrible day would be walking into your home to discover your boiler is broken - nobody prays for that and even more so, when you’re fully aware a broken boiler can be one of the most expensive things to repair. However, when this occurs, a boiler plan is ready to help cover the repair cost - and that’s only if you’ve gotten one. Generally, cover plans feature only a monthly price which is quite affordable when compared to paying a huge lump sum at once. Furthermore, depending on your cover level, you may not be required to incur call out charges or any other expensive services rendered. And in the event whereby your boiler can’t be repaired, there’ll be plans in place to get a replacement unit. As a result, getting a boiler cover is a great way to give yourself a peace of mind and see to it that you’re not left in the cold when the worse happens.

So the answer to whether or not you should get a boiler cover is totally a positive one. The purchase of a new heating system can be quite costly, but it would even be costlier when you have to repair it ceaselessly throughout it’s service years. With several modern combi units being a complicated heating system to repair, getting a cover plan with unlimited call outs, zero excess as well as cover parts and labour would be a truly wise decision.

In addition, an annual service of your heating system is required by manufacturers in order to make the warranty valid. Therefore, just a basic service plan is very crucial if you do not buy the idea of having to fork out at least £70 for each service.

During a boiler service, your boiler engineer will perform a series of checks to ensure that your boiler is safe and efficient. First, they will conduct a visual inspection to check for any corrosion or leaks. They will also check the flame in your boiler. They’ll then remove the boiler casing and check all the components, including the heat exchanger, burner and spark probe, then clean the inside. After this, they’ll check the flue for obstructions and ensure that it’s safely fitted. They will then do a gas pressure check to ensure the boiler is working at the right pressure, before firing it up to check for any working faults.

If you’re thinking about getting a new combi boiler, you may be wondering just how much it’s going to cost so as to start making preparations as soon as possible. However, providing a precise cost for the acquisition and installation of a new combi boiler is simply impossible as combi boiler prices vary greatly in price - usually ranging between £1500 to about £3500 based on the brand of the combi boiler, the insurance or warranty, installation, your location as well as the size and power of the appliance. Due to the fact that combi boilers are compact units which doesn’t need a hot water cylinder or a cold water tank to produce heating and hot water for homes, it’s a very popular type of boiler that’s frequently used especially in the UK.

Combi boilers are also widely known to be the most energy efficient type of boiler because they are able to provide an instant supply of hot water anytime you turn on a tap. Combi boilers particularly perfect for flats and houses where space is limited as they have the ability to deliver instant heating and hot water without requiring any extra parts or components.

In the event whereby you’re about to choose a combi boiler for your home or property, it’s always advisable to compare models as well as prices from only the most reliable and sought after brands across the globe. Depending on the manufacturer, the overall quality of the boilers as well as their prices can differ. However, regardless of your budget, you’ll discover there are a plethora of combi boilers available in the market that’ll also suit your taste.

Are Electric Radiators Expensive To Run?

Just like many home additions, the running costs of electric radiators varies largely on a number of factors. Great number of electric radiators typically comes with an in built thermostat which is designed to turn itself off automatically when not in use in order to save energy.

However the energy provider’s set electricity charge tariff will also have a great influence on an electric radiator’s running cost. Let’s take a look at the running costs of an electric radiator!

A 600 Watt electric radiator ( on a standard electricity tariff) will usually have a running cost ranging between 4 to 6 pence each hour. However you should also take note that this scenario might change in situations whereby the electric radiator is not calling for heat the full 60 minutes of each hour. And this is more likely to be the situation as the thermostat is programmed in such a way that enables it to turn itself off immediately there’s an achievement of your required room temperature level - usually within 10 minutes from the time it was switched on. As a result of this, the running cost per hour of electric radiators will be greatly reduced to just about 1 to 2 pence.

It’s also important to note that enhancing the insulation of your home can go a long way to add to the heat retention value of each room. Consequently, the duration at which the electric radiator calls more heating will be significantly reduced, which in turn, implies a lower electricity bill.

Another key factor that can play a huge role in saving on your heating bills is the programming as well as usage of your electric radiators. Every radiator comes with an independent digital thermostat with a number of 24/7 programming options to help achieve maximum efficiency. When the radiator is properly set according to your lifestyle, you can save as much as 50 percent on your heating bills.