Is my central heating boiler covered on my home insurance?

Many people take out home insurance without really understanding what is covered. When the time comes to make a claim, you might be surprised to learn what is excluded. Your central heating and boiler are unlikely to be covered in your home insurance policy for one simple reason.

Boiler breakdowns are unfortunately very common. As many homes have now switched to more efficient but more complicated boiler systems, these repairs can also be quite expensive to fix. And many homeowners will confirm that their boiler is a complete mystery to them, which can lead to more issues due to a lack of proper maintenance. 

All of these issues add up to a situation where it would be impossible for home insurance companies to cover the central heating and boiler system in a home. It would also be a disadvantage to homeowners. While you might make one claim on your home insurance every 10 years or so, a faulty boiler could leave you making a claim multiple times a year. This would drive up your home insurance premiums and leave you out of pocket.

What is the alternative?

For those who want peace of mind from an insurance policy, boiler and plumbing cover could offer the best of both worlds. This would be in addition to your home insurance policy, so all bases would be covered.

With boiler and plumbing cover, you’ll pay a monthly premium and the excess for every claim. As with all insurance policies, the lower your premium, the higher your excess amount will be. 

So if you have a new boiler that is unlikely to break down, you could pay a lower premium every month and enjoy the protection this affords. And if your boiler is nearing the end of its life you could pay a higher premium to access the lower excess.

Do I really need boiler cover?

The case against any kind of insurance is that if you don’t make a claim, then you would be better off simply putting the money into a savings account. But a savings account won’t offer the same level of protection. 

This might work after you’ve been saving for a few years, but if you need to make a “claim” in the first 3 months, your savings will be wiped out and you still might not have enough to cover the cost of the repair. But with a boiler care plan, you’ll always know exactly what you have to pay, allowing you to manage your finances a lot easier.

Who can benefit from boiler cover?

There are a few groups who can benefit the most from boiler and plumbing cover. It doesn’t really depend on the age of your boiler, because those with new and old boilers will both benefit from cover. 

If your boiler was recently installed, you can extend your warranty by committing to regular boiler services. And since most boiler cover plans include an annual service, you’ll enjoy this key benefit. And if your boiler is nearing the end of its life, you could use a boiler cover plan to help pay for the cost of replacing it. Look for a boiler care plan that includes a replacement boiler once yours is beyond economical repair.

The people who can really benefit from a boiler and plumbing care plan are those on a fixed income or those who need to watch their finances. The retired and landlords are two prime examples of these groups of people.

When you’re on a fixed income, you might not have the luxury of being able to respond to unexpected expenses. This is why home boiler cover can be a huge advantage, as you’ll always know exactly what a breakdown is going to cost you.

Landlords can also benefit from boiler and plumbing cover, as it will enable them to take better care of their rental homes. Tenants will be more likely to report faults if they can go directly to the plumber and arrange repairs. And since an annual service is required by law, you’ll be taking extra steps to make sure you remain compliant. An annual service can also help to identify some of the issues which your tenants might not be aware of.


Your central heating and boiler might not be included in your home insurance, but there are ways you can upgrade your protection.

Photo by Kelly Lacy from Pexels

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