WarmZilla Boiler and Heating Cover for Homeowners (2024 REVIEW)

WarmZilla home boiler cover comprises a range of policies that cover the cost of boiler repairs and services. WarmZilla home boiler cover policies range from Basic, which only covers boiler repairs and an annual service, to Total, which bundles boiler cover with central heating, home electrics, and plumbing and drainage cover. WarmZilla brand their home boiler cover policies as “HomeZilla.”

WarmZilla are an innovative boiler installer which let you choose the perfect boiler for your property by filling out a simple online service. WarmZilla’s boiler cover offerings are price competitive with their competition and well-suited to homeowners who want low-cost boiler cover with no excess fees (also known as callout charges).

WarmZilla have an impressive range of boiler cover options. The HomeZilla Basic Plan covers an annual boiler service as well as repair costs for your gas boiler and boiler controls. The Extra Plan is a step up on the Basic Plan that adds central heating coverage to your boiler cover. The Plus Plan also bundles plumbing and drain insurance and The Total Plan includes all these bundled policies as well as home electrics coverage.

WarmZilla’s prices put them right alongside their competition. The Basic, Extra, Plus, and Total Plans cost £16.90, £18.40, £23.89, and £28.76 respectively, assuming you opt to pay no excess fee. YourRepair’s most stripped-down boiler cover policy costs £17 with no excess, for comparison. Choose to pay a fixed £89 fee for the following monthly premiums are as follows – £10.88 for the Basic Plan, £12.48 for the Extra Plan, £18.08 for the Plus Plan, and £22.88 for the Total Plan.

WarmZilla’s home boiler cover comes with exclusions. HomeZilla do not cover oil boilers, non-GasSafe installations, extreme weather damage, or faults due to poor maintenance. WarmZilla might replace your boiler if they determine it is beyond economical repair (BER) and is less than 7 years old, but they do not guarantee this service.

The best alternatives to WarmZilla home boiler cover are YourRepair and 24/7 Home Rescue. Both providers offer more bundling and excess options compared to WarmZilla. However, WarmZilla offers more competitive pricing on zero-excess policies. So, WarmZilla is a suitable choice for homeowners who want affordable, zero-excess boiler cover.

Our WarmZilla home boiler cover review below sheds light on the product’s inclusions, exclusions, monthly premium options, suitability, and alternative cover options.

What is WarmZilla home boiler cover?

WarmZilla home boiler cover is a policy from the WarmZilla heating company that covers the cost of boiler and home system repairs. TheWarmZilla home boiler cover product is called HomeZilla.

Home boiler cover is a coverage policy that pays for repairs to your boiler, thermostat, and annual boiler service. Providers like WarmZilla and British Gas allow you to bundle your home boiler cover with central heating, plumbing, and other types of coverage.

Warmzilla’s plans are not home insurance plans. The difference between home insurance and home boiler cover is that home boiler cover includes many other features like parts and labour costs, a repair helpline, and a range of bundling options.

WarmZilla may replace (or offer a £400 replacement voucher) for a boiler under their cover policy if they deem it to be beyond economical repair (BER) and if it’s under 7 years old. However, WarmZilla do not guarantee this service. A great alternative for installing a replacement boiler is to use Heatable’s quick, online boiler matching service to find the perfect boiler for your property at the lowest possible price.

What does WarmZilla home boiler cover include?

What WarmZilla home boiler cover includes depends on which plan you choose. We’ve listed the four HomeZilla plans and what they include below.

• HomeZilla Basic Plan: WarmZilla’s HomeZilla basic plan includes an annual boiler service and coverage for gas boiler and controls.
• HomeZilla Extra Plan: WarmZilla’s HomeZilla extra plan adds central heating coverage to the annual boiler service and gas boiler and controls coverage offered in their basic plan.
• HomeZilla Plus Plan: WarmZilla’s HomeZilla plus plan includes plumbing and drains, central heating, and gas boiler and controls coverage in addition to an annual boiler service.
• HomeZilla Total Plan: WarmZilla’s HomeZilla total plan includes coverage for home electrics, plumbing and drains, central heating, and gas boiler and controls coverage as well as an annual boiler service.

What is the HomeZilla Home Care Basic Plan for homeowners?

The HomeZilla Home Care Basic Plan for homeowners is WarmZilla’s most basic home boiler cover plan. The HomeZilla Basic Plan includes annual boiler service and covers a gas boiler and its controls. WarmZilla’s annual boiler service includes a flue analysis test, visual inspection of internal parts, re-adjusting system pressure, and cleaning the condensate trap. The Basic Plan includes breakdown call-outs for repairs to your boiler and thermostat.

What are the HomeZilla Home Care Basic Plan inclusions?

The HomeZilla Home Care Basic Plan inclusions are as follows.

• Annual boiler service: The HomeZilla Home Care Basic Plan includes an annual boiler service by a gas engineer.
• Gas boiler and controls coverage: The HomeZilla Home Care Basic Plan covers breakdown call-outs for repairs to your boiler and its thermostat.

How much does the HomeZilla Home Care Basic Plan cost?

The HomeZilla Home Care Basic Plan costs £16.90 per month with a £0 excess. The Home Care Basic Plan costs £10.88 a month with a £89 excess. An excess is the amount you need to pay out of pocket if you call WarmZilla for boiler repairs. The rates are £202.80 and £130.56, respectively, if you buy the plan annually rather than monthly. These rates put WarmZilla right in the middle of the pack regarding boiler cover in the UK. British Gas and YourRepair are more expensive and offer their most basic packages for £19 with a £60 excess and £17 a month with a £0 excess, respectively. HomeServe and 24/7 Rescue are cheaper than WarmZilla, with basic plans of £11.50 with an excess of £60 and £5.99 with a £95 excess, respectively.

Is the HomeZilla Home Care Basic Plan right for me?

The HomeZilla Home Care Basic Plan is right for you if you meet the following criteria.

• You’re on a budget: The HomeZilla Home Care Basic Plan costs just £16.90 a month and would suit a homeowner with a limited budget to spend on insurance.
• You have other coverage: The HomeZilla Home Care Basic Plan is a limited plan that only covers an annual boiler service and boiler and thermostat repairs. This plan would make sense if you already have coverage for plumbing and other expenses.
• You can self-insure: The HomeZilla Basic Plan might make sense if you can self-insure most boiler repair costs. The Basic Plan allows you to pay just £10.88 per month if you’re willing to pay the £89 call-out fee.

What is the HomeZilla Home Care Extra Plan for homeowners?

The HomeZilla Home Care Extra Plan for homeowners is a package that covers the boiler, its controls, and the central heating system. The Extra Plan includes annual service and call-outs in response to problems with the boiler, thermostat, radiator valves, heating pumps, and central heating piping.

What are the HomeZilla Home Care Extra Plan inclusions?

The HomeZilla Home Care Extra Plan inclusions are listed below.

• Annual boiler service: WarmZilla’s Extra Plan includes a yearly boiler service performed by a Gas Safe engineer.
• Gas boiler and controls coverage: The Extra Plan covers boiler and thermostat repairs.
• Central heating coverage: HomeZilla’s Extra Plan covers repairs to your central heating system, including radiator and pipework repairs.

How much does the HomeZilla Home Care Extra Plan cost?

The Home Care Extra plan costs £18.40 monthly and £220.80 annually. These rates assume a £0 excess, meaning you pay nothing for call-outs. However, WarmZilla offer the Extra Plan for £12.48 a month and £149.76 a year if you agree to pay an £89 excess fee every time you call for repairs.

The Extra Plan is in the middle of the pack in the UK for boiler and central heating protection. For example, British Gas charges £21 for a similar policy with a £60 excess charge and YourRepair charge £19 a month with no excess charge. Both policies are more expensive than HomeZilla’s Extra Plan because they come from providers with more established reputations. However, HomeServe and 24/7 Rescue offer cheaper equivalent policies at £13.50 with a £60 excess and £25.99 with no excess, respectively.

Is the HomeZilla Home Care Extra Plan right for me?

The HomeZilla Home Care Extra Plan is right for you if you agree with the following three statements.

• You’re on a budget: The HomeZilla Home Care Basic Plan works with tight budgets at just £18.40 per month.
• You need central heating coverage: The HomeZilla Home Care Extra Plan adds central heating coverage to the coverage offered by the Basic Plan, so it’s a good choice if you do not already have central heating coverage.
• You can self-insure: The HomeZilla Extra Plan is great for homeowners who are able to cover some of their repair costs as you pay just £12.48 per month if you’re willing to pay an £89 excess fee.

What is the HomeZilla Home Care Plus Plan for homeowners?

The HomeZilla Home Care Plus Plan is a boiler cover package from HomeZilla that adds plumbing and drain coverage to the services offered by the Extra Plan. The Plus Plan features boiler, central heating, and plumbing and drainage coverage. Annual services are a requirement of most boiler warranties and are a key step to ensure the longevity of your boiler. The Plus Plan central heating coverage pays for repairs to motorised valves, radiator valves, and central heating piping. WarmZilla’s plumbing and drain coverage includes fixing waste pipes inside your property’s perimeter and repairs to piping, dripping faucets, and leaking toilets.

What are the HomeZilla Home Care Plus Plan inclusions?

The HomeZilla Home Care Plus Plan inclusions are as follows.

• Annual boiler service: The HomeZilla Home Care Plus Plan covers an annual boiler service, which is a requirement of most boiler warranty policies.
• Gas boiler and controls coverage: The HomeZilla Home Care Plus Plan covers repairs to your gas boiler and its controls.
• Central heating coverage: The WarmZilla Plus Plan covers repairs to your central heating system, pipework, and radiators.
• Plumbing and drain coverage: The Plus Plan includes coverage for plumbing and drains including waste pipes on your property.

How much does the HomeZilla Home Care Plus Plan cost?

The HomeZilla Home Care Plus Plan costs £23.89 a month with a £0 excess, meaning you pay no additional money when you call them out for repairs. HomeZilla also offer a Plus Plan with a lower monthly rate of £18.08 if you agree to pay a £89 excess should you call them out for repairs. Both plans are available on an annual payment for £286.68 with no excess and £216.96 with an £89 excess.

WarmZilla’s rates are fairly standard for a boiler coverage plan that includes central heating, matching YourRepair’s £24 a month with £0 excess price-point. HomeServe offers a cheaper policy for £14.50 with a £60 excess. Likewise, 24/7 Rescue offer a similar policy for £12.99 with a £0 excess. British Gas offer their central heating policies for a higher premium, at £25 a month with a £60 excess.

Is the HomeZilla Home Care Plus Plan right for me?

The HomeZilla Home Care Plus Plan is right for you if you meet the following criteria.

• You need plumbing coverage: The HomeZilla Plus Plan is a good policy if you don’t already have plumbing and drain coverage, as it bundles central heating cover and plumbing and drain cover with boiler cover for a good price.
• You don’t want to risk repair expenses: The HomeZilla Plus Plan is the second-most comprehensive boiler cover plan offered by WarmZilla. So, the Plus Plan is a great option for those who are willing to pay a higher monthly premium to avoid the risk of repair costs across your home.

What is the HomeZilla Home Care Total Plan for homeowners?

The HomeZilla Home Care Total Plan is WarmZilla’s most sophisticated home boiler cover plan, bundling boiler, central heating, plumbing and drains, and home electrics cover. The Total Plan includes all of the boiler and boiler controls cover featured in WarmZilla’s home boiler range as well as the central heating cover included all but the most basic of its plans. The Total Plan’s plumbing and drainage cover pays for repairs to hot and cold water piping and leaking toilets as well as leaking waste pipes which are your responsibility. WarmZilla’s home electrics coverage includes repairs to switches, fuse boards, and circuit breakers that are connected to your home’s mains supply. HomeZilla’s home electrics coverage excludes replacements for light fixtures and outdoor lighting.

What are the HomeZilla Home Care Total Plan inclusions?

The HomeZilla Home Care Total Plan inclusions are as follows.

• Annual boiler service: The HomeZilla Home Care Total Plan includes an annual boiler service by a gas engineer.
• Gas boiler and controls coverage: The HomeZilla Home Care Total Plan pay for repairs to your boiler and its controls.
• Central heating coverage: HomeZilla’s Total Plan covers your central heating system, including radiators.
• Plumbing and drain coverage: The Total Plan includes coverage for your hot and cold water pipework and any waste pipes in your property.
• Home electrics: The Total Plan covers your circuit breakers, fuse boards, switches, and sockets.

How much does the HomeZilla Home Care Total Plan cost?

The HomeZilla Home Care Total Plan costs £28.76 a month with a £0 excess and £22.88 with an £89 excess. An £89 excess means that you need to pay a fixed rate of £89 every time you call WarmZilla for repairs. The annual version of these plans costs £345.48 and £274.00, respectively.

These rates are typical for similar boiler home care policies. The equivalent policies from British Gas costs £27 with a £60 excess and from YourRepair costs £35 a month with a £0 excess. HomeServe’s comprehensive policy is more affordable at £18 a month, but this policy comes with a £60 callout charge.

Is the HomeZilla Home Care Total Plan right for me?

The HomeZilla Home Care Total Plan is right for you if the following two statements apply to you.

• You need home electrics coverage: The Total Plan bundles home electrics coverage with boiler cover so makes sense if you do not already have home electrics cover.
• You don’t want to risk repair expenses: The Total Plan is WarmZilla’s most all-inclusive boiler coverage so it is a good choice for those who are willing to pay more to avoid the risk of paying for repairs across home electrics, plumbing, and central heating.

What does WarmZilla home boiler cover exclude?

WarmZilla home boiler cover excludes the following from all HomeZilla policies.

• Damage due to poor maintenance: WarmZilla does not cover any faults due to poor maintenance of the system.
• Some boiler models: HomeZilla does not offer coverage for the following boiler brands: Potterton Powermax, Britony, Chaffouteaux, Sime, Servowarm, and Elm Le Blanc. WarmZilla also do not cover any back boilers.
• Damage to boilers in unoccupied homes: HomeZilla policies do not cover damage that occurs in properties that have been left occupied for more than 30 days.
• Oil boilers: HomeZilla only cover natural gas boilers and so any homeowners with oil boilers cannot get coverage with them.
• Faults not reported within 24 hours: HomeZilla only pay for repairs to faults that you report within 24 hours of becoming aware of them.
• Non-GasSafe installations: HomeZilla only cover repairs to boilers installed by a GasSafe engineer because poor installation is a common and avoidable cause of boiler failure.
• Extreme weather damage. WarmZilla’s boiler cover policies do not pay for repairs to any damage caused by natural disasters, including freezing weather and flooding.
• Limescale damage: No HomeZilla policy covers limescale or sludge damage, including such damage to heat exchangers.

What are the best alternatives to WarmZilla home boiler cover?

The best alternatives to WarmZilla home boiler cover are YourRepair and 24/7 Home Rescue for two reasons. Firstly, both YourRepair and 24/7 Home Rescue offer more bundling variations, which include home security and pest control. Secondly, both providers offer more excess options than WarmZilla. However, WarmZilla have more affordable options for basic packages with zero excess, so it’s a more appropriate choice for homeowners who need a no-frills, affordable boiler cover policy.

YourRepair boiler cover

YourRepair is a boiler cover option that offers more choice on excess fees and bundled coverage – you can bundle Pest Control and Home Security with YourRepair – at a slightly higher price compared to WarmZilla. YourRepair is a good alternative for homeowners who don’t mind paying slightly more for the option of a higher excess or more bundling choices.

There is one disadvantage of choosing YourRepair over WarmZilla for home boiler cover – YourRepair is slightly more expensive than WarmZilla. The YourRepair Boiler plan (the equivalent of the WarmZilla Basic Plan) is £17 per month compared to £16.90 a month with zero excess, and £12 a month compared to £10.88 a month with £60 excess.

24/7 Home Rescue boiler cover

24/7 Home Rescue is a suitable alternative to WarmZilla for homeowners who want more options at an affordable price. 24/7 Home Rescue boiler cover comes with the options to bundle home security and pest control and more excess options. 24/7 Home Rescue offers more affordable rates for higher excess policies, while WarmZilla has cheaper policies with £0 excess.

However, there is one disadvantage to choosing 24/7 Home Rescue over WarmZilla: 24/7 Home Rescue plans are slightly pricier than equivalent plans from WarmZilla.

WarmZilla home boiler cover FAQs

We answer the most commonly asked questions about WarmZilla home boiler cover below.

Is WarmZilla home boiler cover any good?

Yes, WarmZilla home boiler cover is good for the following two reasons.

• Affordable price: WarmZilla’s boiler cover plans are offered at competitive prices, with the Basic Plan costing just £16.90 a month with a £0 excess. The Basic Plan is even cheaper if you agree to pay an £89 excess at £10.88 a month.
• Comprehensive options: WarmZilla offer four different boiler cover packages so it’s easy to find a plan that suits your needs. HomeZilla allow you to bundle central heating, plumbing and drains, and home electrics with your boiler cover.

What is WarmZilla?

WarmZilla is an online boiler installer and boiler cover provider. WarmZilla was one of the first companies to implement an online survey to help you pick the perfect boiler for your property. Before WarmZilla, you had to call a gas engineer to your home in order to get a boiler recommendation for your property. WarmZilla began working on their online questionnaire in 2018 and launched their service in Wales in October of 2019. WarmZilla went nationwide in January of 2020 and have since signed deals with Google and homelessness charity Crisis.

WarmZilla offer a flagship boiler-cover service called HomeZilla that helps you get affordable boiler coverage bundled with everything from central heating to plumbing. WarmZilla’s most basic boiler cover plan costs just £16.90 a month if you opt to pay no excess fee for repair call-outs. WarmZilla offer more advanced plans like HomeZilla Plus Plan, which bundles central heating and plumbing coverage with boiler coverage.

How does WarmZilla’s home boiler cover work?

WarmZillas’ boiler cover works by covering the cost of repairs and an annual service in exchange for a monthly or annual fee. HomeZilla plans range from basic boiler protection to policies that bundle central heating, plumbing, and home electrics in with boiler cover.

WarmZilla allow you to choose between two callout fee options. Firstly, you’re able to pick a £0 excess policy, under which you pay a slightly higher monthly rate but pay nothing for repairs. Secondly, you may opt for a policy with an £89 excess, under which you pay £89 every time you need repairs, but your monthly premiums are lower.

What types of home boiler cover does WarmZilla have?

WarmZilla has four types of home boiler cover which are listed below.

• HomeZilla Basic Plan: WarmZilla’s Basic Plan covers boiler and boiler control repairs and an annual service.
• HomeZilla Extra Plan: WarmZilla’s HomeZilla Extra Plan includes boiler cover, an annual service, and central heating cover.
• HomeZilla Plus Plan: WarmZilla’s HomeZilla Plus Plan includes boiler cover, an annual service, central heating cover, and plumbing and drain cover.
• HomeZilla Total Plan: WarmZilla’s HomeZilla Total Plan includes boiler cover, an annual service, central heating cover, plumbing and drain cover, and home electrics cover.

Can I get boiler cover for an old heating system?

Yes, you can get boiler cover for an old heating system. However, some providers exclude older boilers from their boiler cover packages, so you may have fewer options than if you had a newer boiler. Other providers may have policies that change specific terms of coverage for older boilers. For example, WarmZilla cover older boilers but do not replace boilers that are beyond economical repair if they are older than 7 years. WarmZilla may offer a £400 voucher towards boiler replacement in situations like these, but offer no guarantees.

A major advantage of replacing an old boiler is that you can switch to a more energy-efficient boiler. Switching from an inefficient “G-rated” boiler to a more efficient “A-rated” boiler could save you £840 a year if you live in a detached home, according to The Energy Saving Trust. Efficient boilers save you money by wasting less fuel when they heat your home and thus reducing your energy bill.

What does home boiler cover typically exclude?

Home boiler cover typically excludes the following.

• Rare boiler models: Home boiler cover typically excludes rare boiler models because it is difficult to repair and find parts for these models. For example, HomeZilla’s home boiler cover excludes brands like Servowarm, Elm Le Blanc, and Britony.
• Repairs resulting from poor installation: Home boiler cover providers generally do not pay for repairs to faults caused by poor installation. WarmZilla’s home boiler cover only applies to boilers installed by Gas Safe engineers.
• Damage from natural causes: Home boiler cover policies do not cover damages from natural causes like flooding. WarmZilla’s home boiler cover policies do not pay for repairs to damage from flooding or freezing weather.

Do I need home boiler cover?

You need home boiler cover if you meet the following three conditions.

• You need help covering repair costs: Taking out a home boiler cover policy means you avoid unexpected costs associated with boiler repair or replacement, especially if you get a no-excess plan that does not require you to pay anything at the time of repairs. WarmZilla’s no excess Basic Plan costs just £16.90 a month.
• You need an annual service: Most boiler warranties require you to get an annual boiler service from a Gas Safe engineer. It might make financial sense to take out a home boiler cover that pays for an annual service if you also need other parts of the coverage. All WarmZilla boiler cover plans include a free annual boiler service.
• You want to bundle coverage. Home boiler cover providers like WarmZilla often let you bundle boiler, home electrics, plumbing, and central heating coverage into a single policy, often for a lower rate than if you bought them separately.

WarmZilla home boiler cover review verdict

WarmZilla home boiler cover is an affordable policy that’s well-suited for frugal homeowners who don’t need pest control or home security. Homeowners who cannot afford unpredictable one-off boiler repair costs and don’t want to pay sky-high monthly premiums should consider choosing WarmZilla as their boiler cover provider.

The biggest advantage of WarmZilla’s home boiler cover that it has affordable, no-excess policies. WarmZilla’s zero-excess policies are among the least expensive on the market. WarmZilla charge just £16.90 for their no-excess basic plan covering boiler repair and an annual service. This price is more affordable than the rates offered by premium providers like British Gas, who charge £32 for their most basic package with no excess. WarmZilla’s £16.90 rate is even more affordable than low-cost providers like 24/7 Home Rescue, who charge £19.90 for their zero-excess offering.

There are two disadvantages to WarmZilla’s home boiler cover. First, WarmZilla does not offer the option to bundle boiler cover with pest control and home security. Second, WarmZilla offers a more limited range of excess options than its competitors with just £0 and £60 excess offerings.