Most home emergency insurance add-ons, provide some cover for boiler and heating repairs but watch out for seasonal restrictions – Axa, for example, doesn’t cover you between May and August. While claims can be limited to £500, this should usually be enough. The most common problems with boilers and central heating cost between £120 and £450 to repair. But £500 won’t go very far should you need to replace your boiler. According to the Heating and Hotwater Industry Council, the average age of a boiler is 15 years, and the Energy Saving Trust says that replacement work costs around £2,300. So bear your boiler’s age in mind when deciding which policy to pick. Most standalone policies that we checked also offer unlimited boiler repairs and an annual inspection, apart from the AA and Direct Line. This is something no home emergency insurance add-on offers, but an annual boiler inspection costs around £70 on average. Read our boiler reviews to find the best one for your home.