Boiler insurance

Boiler insurance (Boiler cover) is a type of insurance that covers repairs and in some instances, the replacement of a home or company boiler. In the United Kingdom, it can also cover other parts of the central heating system as well as plumbing and electrics. ^{[1] [2] [3] [4] [5]} Sometimes boiler insurance is bundled together with inspection services according to standards such as the ASME Boiler and Pressure Vessel Code in the United States. In other jurisdictions, boiler inspection may be performed by a government agency such as the Office of The Chief Inspector of Boilers in Bangladesh or a separate inspection company such as TÜV in Germany or Austria.

Types of boiler coverage

In the United Kingdom, more than 22 million households rely on a boiler for their heating and hot water. But boilers are not usually covered by standard home insurance and can be very costly to repair or replace. An owner of a building may purchase boiler insurance. Coverage is negotiated between the insurance carrier and may include the boiler only, the piping system, or the full heating system. Some insurance carriers also offer annual service packages.

The most costly coverage will include the full central heating system. Insurance is generally offered by gas and electric energy providers, although other companies also provide cover. Policies have various restrictions on the time of work and cost of repairs. Old equipment may not be insurable.

Boiler cover however is not the same as boiler insurance. Boiler cover is much more limited and has very strict guidelines on the amounts paid out towards repairs and new boilers. Insurance is regulated, whereas boiler cover is not. Boiler cover is generally cheaper and will cover most issues that arise with most boilers.

Boilers in steam locomotives

Regular inspection of the boiler in a steam locomotive is required by many countries and other jurisdictions. ^{[6] [7] [8]}

See also

• Hartford Steam Boiler Inspection and Insurance Company
• Boiler explosion

References

1. "Experts share their verdict on whether or not to get boiler cover". The Herald. 30 September 2025. Retrieved 2 November 2025.
2. "Boiler and Machinery Insurance Brokers | Policies & Coverage in Canada (CA)". HUB International. Retrieved 2 November 2025.
3. Kvilhaug, Suzanne. "Boiler and Machinery Insurance: Meaning, Overview, Benefits". Investopedia. Retrieved 2 November 2025.
4. Stempel, Jeffrey W.; Knutsen, Erik S. (15 December 2015). Stempel and Knutsen on Insurance Coverage. Wolters Kluwer. ISBN   978-1-4548-5758-7.
5. "Steam Boiler Inspection and Insurance". Scientific American. 20 (16): 250. 17 April 1869. doi:10.1038/scientificamerican04171869-250. ISSN   0036-8733.
6. Inspection and Maintenance Standards for Steam Locomotives. United States Federal Railway Administration. 17 November 1999.
7. Brotherhood of Locomotive Engineer's Monthly Journal. order of the Grand International Division. 1892.
8. House of Commons (United Kingdom) (1870). Reports from Committees. Ordered to be printed.