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Insuring Your Warmth: Does Home Insurance Cover Boiler?

April 27, 2023

  • Uncategorized

Are you wondering if your home insurance will cover your boiler? At Origin, we understand that having peace of mind when it comes to your home’s heating system is essential. That’s why we’ve taken the time to answer the question: do you need home insurance to cover your boiler? The answer to this question depends on your specific insurance policy. Some policies will cover the repair or replacement of your boiler in certain situations, while others may not. 


Here are some key factors to consider when determining if your home insurance covers your boiler:

  • The cause of the damage: If your boiler is damaged due to a covered peril, such as a fire, explosion, or burst pipe, then it may be covered by your home insurance policy. However, if the damage is due to wear and tear or lack of maintenance, then it may not be covered.
  • The type of policy you have: Home insurance policies can vary in terms of what they cover, so it’s important to read the fine print and understand the specific details of your policy. Some policies may include boiler coverage as standard, while others may require you to add it as an optional extra.
  • The age of your boiler: If your boiler is old and has not been well-maintained, then it may not be covered by your home insurance policy. Some policies have exclusions for boilers that are more than a certain age or that have not been serviced regularly.
  • The level of coverage you have: If your home insurance policy does cover your boiler, it’s important to understand what level of coverage you have. Some policies may only cover the cost of repairing the boiler, while others may cover the cost of replacing it entirely.
  • The deductible: Like with any insurance policy, you will likely have a deductible to pay before your coverage kicks in. Make sure you understand how much your deductible is and whether it is worth making a claim for the damage to your boiler.

Whether your home insurance covers your boiler will depend on your specific policy and the circumstances surrounding the damage to your boiler. It’s important to read your policy carefully and understand what is and isn’t covered. If you’re unsure, it’s always best to speak to your insurance provider directly and ask them to explain your coverage in more detail.

What Is Home Insurance?

Home insurance is a type of insurance that provides financial protection to homeowners in the event of unexpected events that can damage or destroy their homes or their belongings. These events can include natural disasters, theft, vandalism, fire, and other similar incidents. Home insurance policies typically offer a combination of liability coverage, property damage coverage, and personal property coverage. 

What Does Home Insurance Cover?

Home insurance policies can vary, but generally, they cover damage to your property and belongings caused by covered events. This can include damage from fires, theft, vandalism, storms, and other similar events. Home insurance can also cover liability if someone is injured on your property or if you accidentally cause damage to someone else’s property.

Does Home Insurance Cover Boilers?

The coverage for boilers in a home insurance policy can vary. Some policies may cover the repair or replacement of your boiler in certain situations, while others may not. If your boiler is damaged due to a covered peril such as a fire or explosion, then it may be covered by your home insurance policy. However, if the damage is due to wear and tear or lack of maintenance, then it may not be covered. It’s important to read your policy carefully and understand what is and isn’t covered. If you think a boiler care plan is what you need, contact us below. 


What Should I Do If My Boiler Is Not Covered By My Home Insurance Policy?

If your boiler is not covered by your home insurance policy, there are a few things you can do. One option is to purchase additional coverage specifically for your boiler. Some insurance providers offer optional boiler coverage that can be added to your existing policy. Another option is to consider purchasing a separate boiler insurance policy.

How Can I Get Covered By Home Insurance?

To get covered by home insurance, you will need to purchase a policy from an insurance provider. You can typically purchase home insurance online or through a licensed insurance agent. When shopping for home insurance, it’s important to compare policies and coverage options from different providers to find the best policy for your needs and budget. You will typically need to provide information about your home, including its location, age, size, and value, as well as information about any potential risks or hazards.

What Are The Benefits Of Having Home Insurance?

Here are the benefits of having home insurance: 

  • Having home insurance can provide great peace of mind for homeowners. Home insurance covers a variety of risks and liabilities associated with owning a home, including damage to the property, theft or other losses, and even liability claims.
  • It can also provide coverage for specific items such as boilers and other expensive appliances, so you don’t have to worry about the cost of replacing or repairing them in the event of an emergency. 
  • Home insurance also covers medical bills if someone gets injured while on your property. It can even cover legal costs if you’re sued due to an injury on your property. And depending on the policy you choose, home insurance may even cover the cost of temporary living arrangements if your home becomes uninhabitable due to an accident or natural disaster. 
  • Finally, having home insurance can provide financial protection against unforeseen events, giving you the assurance that if anything does go wrong, you won’t be left paying for it out of pocket. 

At Origin, we understand how important it is to have the right home insurance coverage to keep your family safe and secure. That’s why we offer tailored policies that meet our customer’s needs, offering coverage for boilers and more. Contact us if you require boiler assistance below. 



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