Don’t get left outside alone: How emergency accommodation cover protects you

Picture this: you arrive home, only to find emergency services or the local council have blocked access. Maybe there’s been a fire next door or a gas leak. Suddenly, you’re wondering. Where am I going to sleep tonight?

Would you crash with family or retreat to a second property? If neither of these are options, your home insurance might just save the day.

Common scenarios that may deny you access to your home

It’s more common than you think to be kept out of your home. Reasons include:

• A fire or damage to a neighbouring property
• A gas or water leak
• An unexploded bomb or criminal investigation
• A serious road traffic accident nearby

What does your insurance cover?

Many home insurance policies include cover for emergency accommodation if you’re locked out by emergency services or local authorities. But details can vary:

• Some insurers only cover neighbouring property damage if it would have been covered under your policy.
• Others may require you to be locked out for a minimum period, like 24 hours.
  Insurers may use different terminology when referencing this cover. Look for:
• “Emergency accommodation”
• “Forced evacuation”
• “Living expenses”

And yes, your pets (and even horses) are often included too.

What if you’re a landlord or tenant?

You’re not left out. Many policies offer:

• Cover for lost rent
• Help with rent you still owe if the property becomes inaccessible

Evacuated in a hurry? You might be able to claim for essentials

If you’re forced to leave suddenly, your policy may allow you to:

• Buy essential replacement items
• Furnish your temporary accommodation

Alternative Accommodation: cover after an insured loss

If your home suffers an insured loss, like flood, fire or a burst pipe, your policy should cover reasonable living costs while repairs are underway. This is termed “Alternative Accommodation”.

When choosing a home insurance policy, we recommend reviewing the Alternative Accommodation cover to check it is suitable. For example, the Howden Elite policy offers unlimited Alternative Accommodation cover, so you won’t have to worry about the time ticking on your temporary home whilst repairs are underway. To explore this topic further, please read our article: The importance of alternative accommodation cover

Garden damage by emergency vehicles

If emergency vehicles damage your garden while accessing your home, you may be able to claim repair costs up to the policy limit. Read our article to find out more: Garden Insurance: Protecting your plants, trees and outdoor structures

How can Howden help?

Our people are not only experienced, but they’re also professionally qualified insurance advisers who understand the fine detail. We’ll take the time to review your policy wording to ensure it reflects your lifestyle, assets, and expectations. And in the event of a claim, our specialist Private Client claims team is here to support you - guiding you through the process and helping to secure the best possible outcome.

To speak with us about your home insurance, call 020 8256 4901 or email privateclients@howdeninsurance.co.uk.