There are two main types of home emergency policy;
Home Emergency Insurance policies
Home Emergency insurance policies are regulated by the Financial Conduct Authority (FCA). That means that you'll be able to ask the Financial Ombudsman for help if you have a complaint about the provider.
You'll also benefit from the Financial Services Compensation Scheme (FSCS) protection if your insurer goes bust. That means you won't have to pay any extra cost if you're moved to a new policy with a different insurer, or you'll be refunded if your policy isn't replaced.
Service and repair plans
Service and repair plans aren't regulated, so you won't benefit from FSCS protection and you can't go to the Financial Ombudsman with a complaint about your provider. But you may have some recourse with Trading Standards.
Before committing to a policy, it is important to shop around, check the terms and know exactly what type of policy you're buying.