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Does Home Insurance Cover Your Boiler?

21 July 2025

What You Need to Know About Boiler Cover & Home Insurance

Your boiler is one of the most important appliances in your home — it keeps your house warm, your water hot, and your family comfortable all year round. But when something goes wrong, the cost of repairs or replacement can be eye-watering. Many homeowners ask the same question: “Does my home insurance cover the boiler?” The short answer is: not usually — or at least, not fully.

In this blog, we’ll explain the link between home insurance and boiler cover, what you might be protected against, and why specialist boiler cover is often a smarter choice.

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What Is Covered by Standard Home Insurance?

gas boiler service

Most standard home insurance policies include two main types of cover:

  • Buildings insurance – covers structural damage to your home (walls, roof, fixtures).

  • Contents insurance – covers your belongings inside the home.

Your boiler is usually classed as a fixture, so buildings insurance might cover it — but only in very specific situations, such as:

  • Fire or explosion

  • Flood or storm damage

  • Subsidence

  • Vandalism

If your boiler breaks down due to wear and tear, a mechanical fault, age, or lack of maintenance, your home insurance will not cover the cost of repair or replacement. You may also need to prove that the boiler has been regularly serviced.

What About Emergency Home Cover?

Some insurers offer an optional add-on called "home emergency cover". This may provide help in the event of a sudden failure of your heating system.

Emergency cover can include:

  • 24/7 callouts

  • Temporary heating or boiler repairs

  • Access to a tradesperson

  • Cover for plumbing and electrics

However, even this is usually limited in what it covers:

  • A capped claim limit (e.g., £500 per callout)

  • Limited to emergencies only — not ongoing repairs

  • Excludes old or unmaintained boilers

  • No replacement boiler cover

Always read the fine print — many policies will not include boiler cover as standard and may require you to pay extra for limited protection.

Why Specialist Boiler Cover Is a Better Option

A dedicated boiler service and repair plan offers far more comprehensive protection than home insurance. It’s specifically designed for the type of problems you’re most likely to face.

At Shropshire Gas, our Three-Star Service Cover Plan offers:

  • Full system cover (boiler, controls, radiators & pipework)

  • Annual servicing

  • Unlimited callouts

  • Parts & labour included

  • No hidden charges

  • Peace of mind for just £17.92/month or £215/year

For comparison, a single breakdown like a faulty heat exchanger could cost you £400 or more — that’s nearly twice the cost of a year’s cover.

Our Three-Star Service Cover Plan

boiler service

Complete Boiler Cover for 12 Months

A breakdown could cost you £400 for a new part like a heat exchanger, and a new radiator could be £180. With our boiler cover, these costs are covered. Plus, the plan includes regular servicing to ensure your boiler runs economically and safely.

All-inclusive Protection

  • Covers boiler, controls, radiators, and pipework

  • No charge for spare parts or labour

  • Includes annual boiler service

All this from just £17.92/month or £215/year

With just one breakdown, the plan pays for itself. Learn more about our Three-Star Cover Plan or ask us about it when you book your next service.

Check Your Policy — and Cover the Gaps

While your home insurance might offer limited protection in some emergencies, it likely won’t cover the most common boiler issues. If you want real peace of mind, a specialist boiler cover plan like ours at Shropshire Gas is a much more reliable way to avoid unexpected repair costs.

💬 Need advice? Contact our team and we’ll be happy to help.

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