HomeServe Heating Cover: What You Need to Know

December 1st, 2025
HomeServe Heating Cover: What You Need to Know

HomeServe is a top choice in the UK for boiler cover. If you’re a HomeServe customer, it offers help when people have problems at home. A lot of people get their plans. The company has a big team of gas engineers who help with these issues. It also works with partners in the UK. Many people go to HomeServe when they want to keep their boiler safe. HomeServe offers cover for both gas and electric heating systems, so customers have options to protect a wide range of home heating solutions.

HomeServe heating cover lets you ask for help any time, day or night. You can call as many times as you need. The plan gives you a yearly checkup for your boiler. This helps you feel safe if you need boiler repairs or you see problems at home. When you use HomeServe, you get more than just standalone boiler services. The plan comes with insurance and is managed under general insurance activities. This means you have extra protection if things do not go well.

What types of HomeServe heating cover are available?

HomeServe has a lot of different plans. These plans are like a contract for insurance. You can choose the level of protection that suits you the best.

Plan What’s Included Annual Service Expected Price*
Boiler Cover Boiler, flue, controls, unlimited callouts, boiler repairs Optional From ~£8/month
Boiler & Heating Plan Adds central heating system, hot water, radiators, gas supply pipes Optional From ~£12/month
Home Cover Plan Boiler, heating, drains, plumbing, wiring cover Optional From ~£15/month
Complete Cover Boiler, heating, plumbing, drains, wiring, appliances, thermal storage units Optional From ~£19/month
Landlord Cover Boiler & heating cover + Gas Safety Certificate Yes From ~£20/month

The expected price may go up or down if there are tax rate changes. It can also be more if installation costs or upfront costs get higher. If you choose standalone boiler services like a boiler health check, this can change the expected price too.

What is included in HomeServe heating cover?

  • Every year, you get a checkup on your boiler. This is called a boiler health check. It helps to make sure that your boiler meets the latest gas safe rules.
  • With this plan, you can call out an engineer as many times as you need for urgent things. This covers what happens if there is a gas leak, when you do not have hot water, or your heating stops working.
  • A safe registered engineer will do any emergency fixes needed.
  • If you have a leaking gas supply pipe or someone is at real risk, you can use the national gas emergency service.
  • Your cover includes gas supply pipes, radiators, controls, wiring, and drains. What they fix depends on your plan.
  • The helpline is open 24/7 all year. You can call them at any time, even on bank holidays and weekends. There are flexible times for bookings.
  • You can choose to add more cover, like protection for plumbing, drains, electrical wiring, and thermal storage units.
  • Homeserve’s services also offer options for landlords. These have landlord plans, and include CP12 certificates for rental homes and housing association properties.
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What is not included?

  • Boilers that are not working well when your cover begins.
  • Systems that are not gas, like oil boilers, LPG, biomass, or heat pump service.
  • Homes that are not on the UK mainland, or places like mobile homes.
  • Business premises — HomeServe boiler cover is made for homes, not for work use.
  • A full new boiler replacement or helping pay to buy a new one.
  • Remove boiler cover exclusions — you cannot get help with problems or wear and tear from before the first year of cover.
  • Costs outside the full term of the policy, or things not shown in the important documents, like the insurance product information document.

How much does HomeServe heating cover cost?

The total cost of the cover depends on:

  • The cover plan you pick for your home is important. You can go for boiler-only, heating, home cover, or a complete plan.
  • The total price of your insurance will include the full insurance premium. It also has insurance premium tax at the relevant rate.
  • You can pay the full amount at once for the year, or pay by monthly direct debit.
  • The number of days or months of cover in your contract will tell you how long you get protection.
  • You must know if there is any extra cost, like an excess fee or a callout fee, that you choose.

Typical pricing:

  • Boiler-only plan: This plan starts at about £8 each month.
  • Heating cover: The cost starts at about £12 each month.
  • Home Cover: The price for this is from about £15 to £17 each month.
  • Complete Plan: This plan starts at about £19 and can go up to £22 each month.
  • Landlord plans: These start at about £20 each month. The final price depends on the type of property you have.

Customers should read the full terms and all details found in the important documents before they sign. It is good to look over each important document so you do not get any surprises later. Always make sure you know what is in the full terms and read the full details before you say yes to anything.

How quickly does HomeServe respond?

HomeServe has a team of expert plumbers and heating engineers all over the UK. This helps them give you one of the fastest response times in the business. If you run into trouble like your hot water not working, a leaking gas supply pipe, or a broken boiler, they try to get to you within 24 hours. Their engineers use physical investigation work, which means they check your boiler, look at the gas flue, and test things to find the problem before they fix it.

how_quickly_does_homeserve_respond

Cancellation and refunds

If you choose to change your mind, you can cancel in 14 days. If you have not made any claims in that time, you will get a full refund. After the first 14 days, refunds depend on how many months of cover are left and if you have made any claims. The cancellation rules are part of the contract of insurance. You will find these details in your important documents.

How does HomeServe compare with other providers?

Feature HomeServe Heating Cover YourRepair British Gas HomeCare EDF Heating Cover
Annual Boiler Service Optional Yes Yes Yes
Unlimited Callouts Yes Yes Yes Yes
Monthly Price From ~£8 From ~£9 From ~£19 From ~£12
Price Fix No 3 years No No
Nationwide Engineers Yes Limited Yes Yes
Comprehensive Cover Yes Yes Yes Yes
Equivalent Cover Strong Competitive Strong Standard
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Why compare boiler cover and energy prices together?

Even though HomeServe does not provide you with gas or electricity, it’s still smart to check the boiler cover plans alongside your energy bills. When you do this, you get to see all the costs together and know exactly what you are spending your money on. This can help you make the right choice for your own home.

  • Compare boiler cover: Look at your options. Pick the right level of protection for you. You might only need a boiler cover plan, or you may want a plan that includes more.
  • Compare energy prices: Check your rates for energy. This helps you pay less to keep your home warm and your hot water running.
  • Combine both: Get boiler cover and find lower energy prices. You will protect your home and save money. This gives you the best value for your household.

FAQs about HomeServe heating cover

Does HomeServe heating cover include an annual boiler service?

Yes, there are many HomeServe plans that come with a yearly boiler service or boiler health check. A Gas Safe engineer usually does this job for you. The service means the engineer will do a simple checkup of your boiler. The engineer will test the main parts, do flue gas checks, and make sure safety rules are followed. This keeps the boiler up to date with the rules that are set now. Sometimes, you can get a free boiler service in the first year of cover when you join HomeServe.

If you do regular boiler service and a boiler health check, your boiler will work well. A health check makes big problems less likely later. When you keep your boiler in good shape, you use less energy and the heating bills stay low. A boiler that works well also lasts longer. You will get the most out of it that way.

Can I make unlimited callouts with HomeServe heating cover?

Yes, all of HomeServe’s heating cover plans come with unlimited callouts as a main feature. You do not have to give extra money every time you get help. It does not matter how many breakdowns you get. The plans cover home repairs such as hot water problems, leaking gas supply pipes, and other urgent issues.

Unlimited callouts let you get help anytime you need it. You do not need to worry about the cost going up. This helps if you have an older system, as it can have more faults than new systems. Their engineers are there for you all the time—at night, on weekends, and on bank holidays. So, you always get help when you need it most.

How do I make a claim on HomeServe heating cover?

Making a claim with HomeServe is simple. You can contact them online, by phone, or through their 24/7 emergency helpline. After you get in touch, they will send a Gas Safe registered engineer to your home. You will know the time the engineer will come.

The engineer will do physical investigation work. This means they look for problems, check the flue, and, if needed, do emergency repairs. They work hard to get your heating or hot water working again. If there is a serious gas leak, the engineer will speak with the national gas emergency service to keep everyone safe.

Claims are often dealt with fast. Most urgent problems are fixed in one day.

How do I sign up for HomeServe heating cover?

Signing up is easy and quick. You first pick the cover plan that fits you best. The main choices are a boiler-only plan, a central heating plan, or a Complete Plan. The Complete Plan will also cover the plumbing and electric work in your home.

I think you should read all the important documents before joining. These papers include the insurance product information document and show you the full terms of every plan. You will see the total price of your insurance and the total cost of the cover. You will also see what is not included.

The insurance premium has insurance premium tax added on at the relevant rate. You can pay each month by direct debit or pay once each year. HomeServe uses the trading name of HomeServe Membership Limited. This gives you trust that all plans are regulated and safe.

I feel you should spend some time looking over the plans, the full terms and the total price of your insurance. This helps you know what fits your needs best and get the most value for your money.

Can I get HomeServe heating cover for a rental property?

Yes, HomeServe has special boiler cover plans for landlords. These plans give you a yearly check for your boiler and Gas Safety Certificates (CP12). They help make sure you follow rules and keep tenants safe. The boiler cover also works for private rentals and housing association properties. It can help give tenants heat and hot water when they need it.

Most policies with HomeServe give fast help when something stops working. They include health checks for the boiler and help with problems in gas supply pipes. A plan like this can cost less than paying for single repair jobs or buying standalone boiler services every year. Landlords should read the full term of the policy. It is good to know how many days are covered for your tenancy.

How quickly does HomeServe respond to emergencies?

HomeServe tries to get to your home in less than one day after you make a claim. If you have a big problem with your heating or a leaking gas supply pipe, they aim to come out even quicker. Their gas engineers and their team of expert plumbers are ready to help you every day of the week. They also work in the evenings and on bank holidays. So, there is no long wait for you, even when things get very busy.

Most of the time, they will give you a set time to visit. The expert comes over to see what the problem is. If they can, they fix it during the same trip. HomeServe sends their team of expert plumbers and gas engineers to homes all over the UK. No matter where you live, you get the same good help and can refer to the frequently asked questions for more information. Their quick response lets you feel better. You don’t have to be without heating or hot water for very long. You and your people can get back to normal life soon.

Can I upgrade or change my HomeServe heating cover plan later?

Yes, HomeServe lets you change or upgrade your cover anytime you need to. You can start with a simple boiler-only plan. After that, if you want, you can switch to either the Home Cover Plan or the Complete Plan. These plans protect more things, like drains, plumbing, and electrics. When you upgrade, your monthly cost and extra fees will be set by the new plan. This is helpful for people who find that their needs change as time goes on. Maybe you move to a bigger place or get more appliances. Always read the full details in your new policy documents, so you know exactly what comes with your new cover.

What happens if I remove boiler cover?

If you stop your boiler cover in the first 14 days, you can get a full refund. This works only if you have not made any claims. After these 14 days, how much you get back depends on the number of days or months left in your plan. It also depends on if you sent in any claims. If you asked for help before, you may only get part of your money back. The full terms will show this in your policy. Always read the important documents before you decide to cancel. Knowing the rules on cancelling helps you feel sure about your choice. If you remove boiler cover, the amount you pay each time will be less. But, you will need to pay the price of a boiler service or repairs in full if your boiler breaks down later.

Does HomeServe cover gas supply pipes and leaks?

Yes, many plans from HomeServe do include cover for gas supply pipes. If you have a leaking gas supply pipe, HomeServe will send an engineer to help you. They work to fix urgent problems as fast as they can. If the problem seems very risky, they may ask the national gas emergency service to help out. Cover for gas supply pipes can save you a lot of money. Fixing gas pipes by yourself can cost a lot. It is a good idea to read your plan to see if the cover is included, since some cheaper plans may not have protection for a leaking gas supply pipe.

What are the main differences between HomeServe and British Gas boiler cover?

The first thing most people see is how much they have to pay. HomeServe heating cover costs around £8 every month. British Gas HomeCare is about £19 each month. Both give you equivalent cover. With both, you can get unlimited callouts, an annual boiler service, and help from safe, registered engineers. British Gas has its own large team that works just for them. HomeServe has some staff, but it also works with other contractors to help out. This is one reason the expected price can be low with HomeServe. In some cases, HomeServe will give a free boiler service in the first year. British Gas does not do this much. When you pick a plan, look at how many engineers they have. You should also think about the total cost of the cover so you can make the right choice.

Does HomeServe heating cover include boiler replacement?

No, HomeServe heating cover will not pay for a full boiler replacement. The cover includes help for breakdowns, repairs, and a boiler service each year. But it will not cover the installation costs if you need a new boiler in your home.

If your boiler needs replacing, you have to pay the total cost yourself. You can also look at government help like the boiler upgrade scheme. The price of a boiler service and the cost for small parts are part of the plan. Still, the total cost of the cover does not give you a new boiler.

Always read the important documents closely. This helps you know what is included before you join.

Is HomeServe heating cover comprehensive?

Yes, higher-tier plans like the Complete Plan include many things, not just help for boilers and heating. These plans also help with plumbing, drains, electrics, and sometimes warm air heating systems. This wide cover lets you get help for several home repairs from one company.

When you look at other options, the HomeServe Complete Plan gives about the same level of equivalent cover as other top plans. Often, it costs less to start. You should look at the total price of your insurance and see if it fits what you need. This way, you get good home repairs and cover that matches the value of your money.

What documents do I need to check before buying?

Before you buy HomeServe heating cover, you need to read all the important documents. These include the insurance product information document, the full policy, and the terms and conditions. All of these documents are part of the contract of insurance. They tell you what your rights are and what you have to do. The documents also explain any exclusions and how you can cancel.

You will see the total cost of the cover, and this comes with the insurance premium tax included. The tax is shown at the relevant rate. By looking at these details first, you will know what is covered, which systems you get help with, and how to make a claim. Think of these important documents as a checklist that helps you make your final choice.

Is HomeServe heating cover worth it?

For a lot of people who use HomeServe, heating cover helps them feel relaxed. They get unlimited callouts and fast response times. You can ask for yearly servicing if you need it. These things make this plan great for families. You get protection from high repair bills. The better plans cover home repairs, plumbing, drains, and even warm air heating systems. This means you get more than just standalone boiler services.

But, customers should always check the total price of your insurance. See how much you have to pay after the first year. Think about the level of protection and compare it with other companies. Some choices are British Gas, YourRepair, or Hometree. For people wanting one provider for everything, HomeServe makes it easy. They give so many services. This makes it feel like a good choice for most, as it covers more than only heating.

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