What is considered a home emergency? Katie Todd 02 December 2021 14:21 Updated A domestic emergency is a situation that prevents your tenant from safely living in the property, such as having no heating, no access to water or being unable to secure the property. Related articles How much does Home Emergency Cover cost? Who deals with maintenance? How many claims do I get with Home Emergency Cover? Tenant fees How do I or my tenant make a Home Emergency Cover claim?