BG was my energy provider. When I started the contract, Homecare was a freebie on sign up.
I ditched them last year and decided not renew homecare cover. They were kind enough to send me a booklet pre-renewal - glancing through this there were so many exclusions I came to the conclusion that in reality the policy covered not very much.
Your local water company will come out and fix any problems with sewers and drains. They will charge if it is your responsibility - but they tend to be reliable.
Showers and taps are the most likely source of leaks so excluding those is a nonsense.
A boiler service, depending where you are, is around £60-£100.
If you live in a reasonably well maintained house then typically you will have few problems anyway - you may have two problems one year and none for the next five.
Many home insurance policies will have emergency call out options which are much cheaper than BG and does at least get a tradesman round quickly if necessary. Or keep a note of a few people you have used previously. Even if you don't know an electrician, the plumber you used last year probably does!
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