Emergency Home Assistance and Home Legal Expenses Insurance 

Emergency home assistance is an insurance product that will help protect you in the event of a domestic emergency. Home emergencies can be stressful and sometimes difficult to resolve, but with emergency home assistance insurance you can give yourself peace of mind knowing that in the event of a home emergency the insurer will appoint a suitably qualified contractor to attend your home to try to solve your problem.  

Home legal expenses insurance is an insurance product primarily designed to offer protection to you and your family for your costs of pursuing a claim, for damages in an accident sustained in the course of employment. It also offers representation in the event of a tax investigation, protection of your earnings whilst attending jury service, defence against contract disputes and provides legal assistance to negotiate for your legal rights in a civil action relating to material property.

When arranging your home insurance through Homenet we offer these products to you to give you extra protection as this type of cover is generally not included by the home insurance company. You can purchase both products together as a combined package or on their own. However if you purchase the emergency home assistance and home legal expenses products together as a combined package you will receive a discount as we offer a cheaper rate to customers purchasing the combined package.

How Emergency Home Assistance Insurance can help you

Imagine it was the middle of winter and your main heating system suffers a total failure or breakdown so your heating stops working. With the winters we have had the last few years it would be a living nightmare as you would either have to go without heating or call out a contractor and pay to get your heating system fixed. With emergency home assistance insurance this would take this worry away, because should your main heating system fail or breakdown, the insurer will pay for a contractor to come out to your home address and pay the following costs to try to resolve the issue:

• Contractors call out charge
• Contractors labour charge up to a maximum of 2 hours
• Pay towards parts & materials to fix the problem up to a maximum of £100
• If the home is uninhabitable pay for alternative accommodation costs up to a maximum of £250
• The maximum amount payable per claim is £1000

Failure or breakdown of your main heating system is just one example of how emergency home assistance insurance can help you, other events covered by this insurance are as follows:

• Plumbing & Drainage – Sudden damage to, or blockage or flooding of the drains or plumbing system likely to cause damage to your home or its contents
• Home Security – Damage to or the failure of external doors, windows or locks which compromises the security of the home
• Toilet Unit – Breakage or mechanical failure of the toilet bowl or cistern resulting in loss of function providing there is no other toilet in the home
• Domestic Power Supply – The failure of the home’s domestic electricity or gas supply
• Lost Keys – Loss of keys if you cannot replace them to gain access to your home
• Vermin Infestation – Vermin causing damage inside the home or a health risk to you

All the above is subject to the terms and conditions of the policy wording.

Home Legal Expenses Insurance

Home legal expenses insurance is designed to offer protection to you or your family for the following:

• Bodily Injury – Should you or a member of your family suffer bodily injury as a result of an accident at work, the home legal expenses insurer will provide cover to pay the costs of making a claim against the employer for damages.
• Employment Disputes – If you or a member of your family suffer unfair or wrongful dismissal, redundancy or unlawful discrimination, the home legal expenses insurer will pay up to £5000 for your legal costs and expenses for them to negotiate for your legal rights.
• Tax Protection – The home legal expenses insurer will negotiate on your behalf and represent you in any appeal proceedings in respect of a full enquiry by the Inland Revenue into your tax affairs providing the enquiry has resulted from your work as an employee.
• Contract Disputes – Negotiation of your rights in a contractual dispute arising from an agreement or an alleged agreement which you have entered into for the buying or hiring in of any goods or services or the selling of any goods.
• Property Protection – Negotiation of your legal rights in a civil action relating to material property including your principal home for an event which causes or could cause physical damage to such material property or any nuisance or trespass.
• Jury Service – The home legal expenses insurer will pay your salary or wages for time that you have had to take off work whilst attending jury service providing your salary or wages are not legally recoverable from the court or your employer.

All the above is subject to the terms and conditions of the policy wording

Comparing Home insurance from our panel of leading Home insurers

If you are looking for emergency home assistance cover and home legal expenses cover than get a quote for your home insurance by calling: 0800 377 7293. Here at Homenet we search a panel of insurers to find you our cheapest home insurance policy suitable to your needs. Emergency home assistance cover and home legal expenses insurance are designed to give you that extra protection your home insurance will not provide cover for, and can only be purchased alongside a home insurance policy.