Whatever your taste, one of the main joys of owning works of art is being able to display them openly in your home, rather than locking it away in a safe. That’s why Homeprotect will insure your artwork as part of your home contents insurance.

Make sure you have enough insurance cover

Regardless of type, whether a sculpture or painting, pieces of art can be insured on your policy. You are covered up to £5,000 (or 20% of your contents sum insured, whichever is lower) in total for high risk items such as artworks, however, if a piece is worth £1,500 or more individually, then you must specify it on your policy. You should have your art valued regularly to ensure you choose the correct value for your insurance. If you make new purchases during the duration of a policy, then remember to update your cover.

Get your art professionally valued

Insurance can protect your art from accidental damage, flood, fire and theft. To accurately insure your artworks, you should get each item valued by a professional. This is particularly the case if you switch insurers, as you should get your collection appraised at least every two years, to account for changes in value. Different insurers will also have different cover levels.

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What’s covered by contents insurance?

Having contents insurance means you won’t be out of pocket if you need to repair or replace your belongings after they’ve been stolen, damaged or destroyed.

What we offer

Quick fix for uncontrollable leaks

Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.

Extreme weather conditions may extend response time. Policy terms and claim limits apply.

New for old

Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.

Legal advice

We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.

What isn’t included?

Lost items.

Items stolen from unoccupied vehicles.

Damage caused by pets.

The cost of repairing or replacing items following a mechanical or electrical fault.

Contents Insurance Cover Levels

Our contents insurance is designed to protect your belongings against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.

Contents cover

Covering the value of all your possessions in the home, on a new for old basis.

from £25,000

Alternative accommodation

For you and your pets, in case you can’t live at your home while it’s being repaired after an insured event.

up to £10,000

Home emergency

Covers emergencies that occur in your home like uncontrollable water leaks, electricity failure, faulty locks and vermin infestation. Two levels of cover are available.

up to £500

Family legal protection

Provides a 24/7 legal advice helpline and up to £25,000 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.

up to £25,000

Liability cover

Liability cover involving accidental death, bodily injury or illness or property damage that you are legally liable to pay.

up to £5 million

Personal possessions

Cover for portable items that you take out of your home, like bags, clothes and sports equipment


Gadgets, bikes and valuables away from the home

Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes) and valuables (e.g. watches and jewellery) that you take out of your home.


Accidental damage

Covers situations 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.


Your Questions Answered

The best way to get a valuation for a piece of artwork is to approach an auctioneer. For ordinary paintings which are simply decorative in value, a general furniture auctioneer should be able to give you a reasonable idea of the replacement value of the piece. If you suspect your painting is more valuable, though, get an expert opinion from a specialist fine art auctioneer.

Yes, if it’s worth less than £1,500 individually then it is covered as standard under our contents cover (subject to the claims limit on High Risk Items). If it is worth £1,500 or more then it needs to be specified on your policy. 

Homeprotect contents insurance protects works of art against theft from your home. Don’t forget that artworks worth more than a certain amount must be individually specified on your policy. There is also a maximum limit for high-risk items including artwork in any one claim. Check the current levels in our policy booklet.

Yes! Homeprotect contents insurance protects works of art within your home. Don’t forget that artworks worth more than a certain amount must be individually specified on your policy. Check the current level in our policy booklet.

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