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Homeprotect home insurance

Countless UK home owners are choosing to protect their home and its contents with the help of reliable insurance from Homeprotect.

Offering home insurance for a wide variety of property and personal circumstances, it’s definitely an insurance provider worth considering.

Countless UK home owners are choosing to protect their home and its contents with the help of reliable insurance from Homeprotect.

Offering home insurance for a wide variety of property and personal circumstances, it’s definitely an insurance provider worth considering.

About Homeprotect home insurance

Homeprotect believes there's no such thing as 'standard,’ which is why it’s designed home insurance with your personal needs in mind.

Homeprotect insures people who want to buy a unique property, renovate, rent a home or leave it unoccupied. It also covers people who travel a lot, run a business from home, love living in a listed building or sunbathing on a flat roof.

Homeprotect has already helped hundreds of thousands of people protect their homes and belongings.

 

It covers a range of circumstances including:

  • Properties made from non-standard materials
  • Homes used to run businesses, and working from home
  • Unoccupied properties
  • Holiday and Airbnb homes
  • Homes undergoing renovations
  • Homes with lodgers
  • Properties made from non-standard materials
  • Listed buildings.

Homeprotect offers buildings and contents insurance (Moneyfacts 5 Star rated) including landlord insurance, working from home insurance, property renovation insurance, unoccupied home insurance, insurance for homes with a history of flooding, heritage home insurance and holiday home insurance.

Homeprotect also offers legal expenses and home emergency cover as standard in its policies.

What does Homeprotect buildings insurance cover?

Buildings insurance from Homeprotect typically includes:

  • Up to £1 million (eligibility criteria applies) to covers the main structure of your home if you need to rebuild or repair it.
  • Alternative accommodation cover for you and your pets, in case you can’t live at your home while it’s being repaired after an insured event.
  • Trace and access cover for the cost of detecting the source of a water or oil leak and repairing any damage caused in the process.
  • Optional accidental damage cover for when unexpected accidents happen, such as spillages on the carpet, breakages around the house or drilling through hidden pipes. Two levels of cover are available.

Buildings insurance does not cover:

  • Damage caused gradually, by wear and tear, or by failure to fix a known issue.
  • Faulty design or poor workmanship.
  • Damage or liability arising out of the activities of contractors.

What does Homeprotect contents insurance cover?

Contents insurance from Homeprotect typically includes:

  • Cover for the value of all your possessions in the home, on a new for old basis.
  • Optional personal possessions cover for portable items that you take out of your home, like bags, clothes and sports equipment.
  • Optional cover for electronic gadgets, like mobile phones, laptops and tablets; bikes, including electrically assisted bikes; and valuables such as watches and jewellery that you take out of your home.
  • Optional accidental damage cover for when unexpected accidents happen, such as spillages on the carpet or breakages around the house.
  • Alternative accommodation cover for you and your pets in case you can’t live at your home while it’s being repaired after an insured event.  

Contents insurance does not cover:

  • Lost items
  • Items stolen from unoccupied vehicles 
  • Damage caused by pets
  • The cost of repairing or replacing items following a mechanical or electrical fault.

What do Homeprotect policies include?

All Homeprotect policies include:

  • Legal protection, including a 24 hour a day legal advice helpline and up to £25,000 of cover for claims involving contract disputes and property damage. For a claim to be successful, there must be reasonable prospects (more than a 50% chance) of winning the legal case. Two levels of cover are available.
  • Home emergencies, such as uncontrollable water leaks, electricity failure, faulty locks and vermin infestation. Two levels of cover are available.
  • Liability cover of up to £5 million for claims involving accidental death, bodily injury or illness, or property damage that you are legally liable to pay.

Homeprotect home insurance optional extras

You can bulk up your cover with additional Accidental Damage cover, Legal Expenses cover and Home Emergency cover if you wish.

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