Think your home insurance will pay out if your boiler breaks? Not always. Here’s how coverage really works - and how to keep your heating protected year-round.
- What Home Insurance Usually Covers
- Will Home Insurance Cover Boiler Repairs?
- The Difference Between Boiler Cover and Home Insurance
- When Home Insurance Won’t Help
- What Do Boiler Warranties Cover?
- Does My Boiler Need Servicing?
- How Old Is My Boiler - and Does It Matter?
- How Can I Get the Best Boiler Cover?
- What to Do If You’re Not Covered
It’s the middle of winter, your home’s gone chilly, and your boiler’s decided it’s had enough.
The first question that pops into your head? Will my home insurance cover it?
The truth is - not usually.
Most home insurance policies step in for big disasters, not everyday breakdowns.
But with the right know-how (and the right type of cover), you can protect your heating, your wallet, and your peace of mind - so you’re never left shivering when the temperature drops.
👉 Heatable offers nationwide boiler replacement, professional boiler servicing, and flexible finance options to help you spread the cost - Get your fixed online quote in just 90 seconds >
What Home Insurance Usually Covers
Home insurance is made up of two main parts.
Buildings insurance protects the permanent parts of your home - the walls, roof, plumbing, and yes, your boiler.
Contents insurance, on the other hand, covers your belongings inside the property, like furniture, tech, and clothes.
Because your boiler is classed as a fixture, it generally falls under buildings insurance.
But here’s the catch: most insurers will only cover it if the damage was sudden or accidental - for example, a fire, flood, explosion, or storm.
What they won’t cover is the slow, everyday stuff. Wear and tear, rust, sludge, or limescale build-up aren’t seen as insurable events - they’re viewed as maintenance issues.
In short, home insurance is there for the unexpected, not the inevitable.
So if your boiler gives up simply because it’s old or poorly maintained, your insurer is very unlikely to pay out.
Will Home Insurance Cover Boiler Repairs?
In most cases, no.
While your boiler is technically part of your home, standard home insurance policies rarely include repairs for faults, leaks, or part failures.
These policies are designed to help you rebuild after major events - not to cover worn-out components like valves, fans, or heat exchangers.
That said, some insurers offer an optional extra known as home emergency cover.
This add-on can include boiler breakdowns, heating callouts, and even temporary heating if you’re left without warmth in winter.
It’s always worth double-checking your policy wording or giving your insurer a quick call to confirm what’s included.
If you’re not covered, don’t stress - there are still options.
Dedicated boiler cover plans or your manufacturer warranty can step in to protect you from unexpected repair bills and give you year-round peace of mind.
The Difference Between Boiler Cover and Home Insurance
It’s easy to confuse the two, but boiler cover and home insurance are designed for very different situations.
Boiler cover is a specialist policy (or an optional add-on) that focuses purely on your heating system.
It usually includes the cost of callouts, repairs, and parts - and often an annual service to keep your boiler running efficiently. Some policies even offer a contribution towards a replacement boiler if yours can’t be repaired.
Home insurance, on the other hand, is there for the big stuff - fires, floods, or major structural damage to your property. It’s about protecting your home as a whole, not the individual components inside it.
So, think of it like this:
Home insurance protects your house.
Boiler cover protects your heating.
Together, they make sure you’re covered for both the unexpected and the inconvenient.
When Home Insurance Won’t Help
Here’s where many homeowners get caught out.
Even if your boiler’s listed under your buildings insurance, most claims are rejected if:
The boiler simply “packs in” due to old age
There’s no record of an annual Gas Safe service
The cause of the fault is internal wear or component failure
Temporary heaters or hotel stays are needed while waiting for repairs
If that’s the case, you’ll need boiler cover - or possibly a replacement boiler.
What Do Boiler Warranties Cover?
If your boiler’s still under warranty, you already have a safety net in place - one that can save you serious money if something goes wrong.
A boiler warranty is provided by the manufacturer and usually lasts anywhere from 2 to 10 years, depending on the brand, model, and who installed it.
It’s designed to cover faults caused by manufacturing or material defects - in other words, if a part fails through no fault of your own, the repair (or replacement) should be free.
However, as with any warranty, the small print matters. To keep it valid, most manufacturers require that:
The boiler was installed by a Gas Safe registered engineer.
It’s serviced annually by a professional.
Only authorised parts and approved repairs are used.
Miss a service or cut corners on maintenance, and your warranty could be void.
That’s why annual servicing isn’t just about efficiency - it’s about protecting your investment and avoiding unexpected costs later on.
Does My Boiler Need Servicing?
Yes - absolutely.
Every boiler should be serviced once a year by a Gas Safe registered engineer.
An annual service keeps your boiler running safely and efficiently, helps spot small problems before they turn into expensive repairs, and ensures your warranty stays valid.
A well-maintained boiler also burns fuel more cleanly, which means lower energy bills and fewer carbon emissions.
If you rent your home, it’s your landlord’s legal responsibility to arrange the service. But if you’re a homeowner, it’s up to you to book it - ideally every 12 months.
At Heatable, all our installations are carried out by Gas Safe registered engineers, so when you replace your old system with us, you know it’s fitted safely, efficiently, and to the highest standard from day one.
How Old Is My Boiler - and Does It Matter?
If your boiler’s more than 10 to 15 years old, it’s probably time to start thinking about a replacement.
Older systems are more prone to breakdowns, less energy-efficient, and can be tricky (and expensive) to find parts for.
Even if repairs are possible, the costs can mount up fast - sometimes making replacement the smarter long-term move.
You can usually check your boiler’s age by looking at the manufacturer’s label or serial number, often found inside the boiler casing or on the user manual.
If you’re unsure, typing the serial number into Google or the manufacturer’s website will usually reveal its production date.
A new A-rated boiler could cut your energy bills and shrink your carbon footprint - and with finance options available through Heatable, you can spread the cost into easy, affordable monthly payments.
It’s a simple, stress-free way to upgrade your comfort without breaking the bank.
How Can I Get the Best Boiler Cover?
When comparing boiler cover, it’s worth looking beyond the headline price.
The cheapest plan isn’t always the best deal if it leaves out essentials like parts, labour, or annual servicing.
A solid policy should give you peace of mind all year round, not just a phone number to call when things go wrong.
Ideally, look for a plan that includes:
Unlimited callouts and 24/7 helpline access
All parts and labour covered
An annual service to keep your system efficient
No or low excess fees
Many insurers and energy suppliers offer boiler cover, but the value varies. Sometimes, a manufacturer warranty or a regular servicing plan can offer similar protection for less.
If you’d rather skip the comparison headache, Heatable’s Gas Safe engineers can handle your annual boiler servicing quickly and affordably - helping you keep your warranty valid, your heating efficient, and your system protected all year long.
What to Do If You’re Not Covered
If you’ve checked your policy and found that your home insurance or warranty won’t cover your boiler, don’t panic - you’ve got a few solid options.
You can pay for a one-off repair, which typically costs between £200 and £500 depending on the fault.
Or, you could take out a monthly boiler cover plan to protect against future breakdowns and spread the cost over the year.
But if your boiler’s getting older, replacing it might actually make more financial sense. With a new, efficient model, you’ll spend less on gas and gain the peace of mind that comes with a full manufacturer warranty.
At Heatable, the process couldn’t be easier. Just answer a few quick questions online, get a fixed price in 90 seconds, and book next-day installation with a Gas Safe engineer.
And with flexible finance options, you can pay monthly instead of all at once - making it easier to stay warm, comfortable, and in control of your budget.
👉 Get your fixed online quote in 90 seconds and see how much you could save.
Get a New Boiler Quote Today
If you’re aiming to get the best deal on a new boiler, consider getting a quote from us, here’s why:
Gas Safe installation within 24 hours.
Thousands of satisfied customers with an average score of 4.9 on Trustpilot, surpassing the market leader.
Which? Trusted Trader: Heatable is proudly recognised as a Which? Trusted Trader.
Price match guarantee: We will match any like-for-like cheaper quote.
Flexible payment options, including interest-free finance*.
Up to 12-year guarantee on selected boilers.
Fixed price guarantee: No hidden costs.
Save your quote and decide later.
Get an instant fixed price on a new boiler, here.
To learn more about boilers, visit our advice section, check out our YouTube channel, or read customer testimonials here.
Heat Happy.
