Updated September 29, 2026 · AssureCue Editorial Team
Coverbaloo Home Emergency vs Emergency Hero
Where Coverbaloo Home Emergency and Emergency Hero differ
| Compare | Coverbaloo Home Emergency ReviewSee alternativesSee alternatives |  Emergency Hero |
|---|---|---|
| Premium from | £6.50Lower | £14.99 |
| Insurance types | Home, Home emergency, TravelCovers more | Home emergency |
| Cover limit | £1,000 or £3,000 per year | GBP450 per visit |
| Claims channels | Email, Phone | Online, Phone |
| Excess from | £0 to £45 | Not confirmed |
Same on both: Provider type (Broker), Monthly payments (Yes).
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Key differences
- Coverbaloo Home Emergency scores higher overall: 9.0 vs 8.7.
- Premium from is lower at Coverbaloo Home Emergency: £6.50 vs £14.99.
- Insurance types: only Coverbaloo Home Emergency offers Home, Travel.
- Claims channels: only Coverbaloo Home Emergency offers Email.
- Claims channels: only Emergency Hero offers Online.
- Support channels: only Coverbaloo Home Emergency offers Email, Help centre.
Our verdict on each
Coverbaloo Home Emergency
Coverbaloo Home Emergency suits renters and owners seeking monthly home emergency protection with phone claims support, with premium starting at £6.50 alongside cover up to £1,000 or £3,000 per year per year. Monthly payments are available, while excess terms vary by plan within £0 to £45, so check plan details before purchase.
Emergency Hero
Emergency Hero suits households wanting focused home emergency cover with monthly budgeting and direct help via phone. Priced at £14.99 with cover capped at GBP450 per visit keeps expectations clear for urgent repairs arranged through broker based in the United Kingdom with Monthly payments offered.
Score breakdown
| Area | Coverbaloo Home Emergency | Emergency Hero |
|---|---|---|
| Cost | 9.2HigherPremium starts at £6.50 with monthly payments spreading cost across the year | 8.8Priced at £14.99 with Monthly payments available for budgeting. |
| Offer | 8.9HigherCovers home emergency risks within home, home emergency and travel with yearly limits of £1,000 or £3,000 per year and claims via email and phone | 8.3Covers home emergency with claims via online and phone for urgent callouts. |
| Trust | 8.8Acts as broker in GB under Financial Conduct Authority licence 517325 | 8.8Operated by Emergency Hero Ltd as broker based in GB. |
A third option
AA Breakdown has premium from at £5.49, against £6.50 for Coverbaloo Home Emergency and £14.99 for Emergency Hero.
AA Breakdown reviewSources behind this comparison
Coverbaloo Home Emergency
- coverbaloo.co.uk: 11 facts, checked September 29, 2026
Emergency Hero
- herocare.co.uk: 7 facts, checked September 29, 2026
- emergencyhero.co.uk: 3 facts, checked September 29, 2026
How they place
| Ranking | Coverbaloo Home Emergency | Emergency Hero |
|---|---|---|
| Home emergency cover | 5 of 11 | 11 of 11 |
Every fact side by side
| Fact | Coverbaloo Home Emergency | Emergency Hero |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | coverbaloo Ltd | Emergency Hero Ltd |
| Headquarters | United Kingdom | United Kingdom |
| Support channels | Email, Help centre, PhoneCovers more | Phone |
Where each stands against the rest
| Fact | Coverbaloo Home Emergency | Emergency Hero | Median |
|---|---|---|---|
| Premium from | £6.50below the median | £14.99above the median | £7.95 |
| Excess from | £0 to £45below the median | Not confirmed | £25 |
Median across 51 listed insurance providers.
Pros and cons
Coverbaloo Home Emergency
Pros
- Premiums start at £6.50 with monthly billing and Monthly payments available
- Yearly cover of £1,000 or £3,000 per year for approved home emergencies
- Claims via email and phone with support through email, help centre and phone
Cons
- Excess varies within £0 to £45, so some plans add upfront cost at claim
- Cover focus stays within home, home emergency and travel, which limits relevance beyond home related needs
Emergency Hero
Pros
- Priced at £14.99 with Monthly payments available for steady budgeting
- Claims can be made via online and phone, giving online plus phone routes for urgent faults
- Operates with monthly billing through Emergency Hero Ltd as broker
Cons
- Cover capped at GBP450 per visit, which may feel tight for larger emergencies
- Support runs on phone only, which limits contact choice at urgent moments
- Range limited to home emergency, so wider household needs sit elsewhere
Who each suits
Coverbaloo Home Emergency
Who it suits
- Occupants seeking monthly home emergency cover with phone claims via email and phone, rather than Hiscox where premium starts at $29.16
- Households comparing low entry premium at £6.50 against andsafe at €3.63 for emergency protection
Who should look elsewhere
- Travellers seeking broad travel cover rather than home emergency focus within home, home emergency and travel, where die Bayerische may fit with premium from €2.09
Emergency Hero
Who it suits
- Owners wanting urgent home help with Monthly payments, where Hiscox priced at $29.16 feels broader than needed
- Callers comfortable with phone help, where Barmenia priced at €2.40 fits a different market
Who should look elsewhere
- Shoppers wanting many lines in a single place should consider Allianz Malaysia covering auto, motorcycle and home
- Shoppers wanting higher per visit limits than GBP450 per visit should compare Hiscox before committing
Country by country
| Country | Coverbaloo Home Emergency | Emergency Hero |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
Coverbaloo Home Emergency
How much does Coverbaloo Home Emergency cost?+
Premium starts at £6.50 for home emergency cover. Plans use monthly billing, and Monthly payments are available to spread cost through the year. Final pricing depends on the selected cover limit and excess, so review the quote summary before purchase.
What cover limit applies?+
Cover limits are £1,000 or £3,000 per year per year depending on the chosen plan. The limit caps the amount payable for approved emergency repairs during the policy year. Check what counts as an emergency, plus any per claim restrictions, in the policy wording before purchase.
Emergency Hero
What does Emergency Hero charge for home emergency cover+
Emergency Hero is priced at £14.99 for home emergency cover. Monthly payments are available, which helps spread household budgeting across the year. Check the policy summary for what the starting price includes before arranging cover.
Which types of insurance does Emergency Hero offer+
Emergency Hero covers home emergency and does not extend into wider home or motor lines. That narrow focus suits readers who want urgent breakdown help only. Readers wanting bundled household cover should compare broader providers alongside this option.