Art Insurance
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
Optional
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.
Optional
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.
Optional
Your Questions Answered
Under-insurance means that the ‘sum insured’ is less than the cost of rebuilding, replacing or repairing the buildings or contents at the time of the loss or damage. This might meant that any claim that is settled will be reduced in proportion depending on how underinsured you are, regardless of the amount of the claim.
For example, if your amount of cover only covers a proportion of the cost of rebuilding, replacing or repairing the buildings or contents, it is likely that the insurer will only pay that proportion of the claim for repair or replacement and you will have to cover the remaining cost of the loss or damage yourself. Where there’s a severe underestimations, your insurance provider could even refuse to pay out completely.
Being under-insured is different from being uninsured. When you are uninsured you have no policy in place at all. Although this saves you money in the short term, you risk losing far more than you save if the unexpected happens.
In most cases, they are covered up to a certain maximum per claim if you make sure the value of these items are included in the value of contents to be insured. You can find out more about our garage insurance here, and our shed insurance. Please note that there are some items that we can’t insure such as boats and water skis, please refer to the policy booklets for full details.
We exclude cover from unoccupied vehicles.
Compulsory and voluntary excesses are the amount you pay towards a successful claim.
Compulsory excesses vary depending on the section of cover you’re claiming under and the type of claim you’re making. If you make a claim under both buildings cover and contents cover, both sections will apply.
If you chose to include voluntary excesses when buying your policy, they are paid together with any compulsory excesses for the section of cover you’re claiming under.
You can find your excess amounts in your policy documents.
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.
Buildings insurance covers the structure of the home together with its fixtures and fittings: it covers the cost of repair or rebuilding after fire or weather damage for instance. Contents insurance covers the contents of your home, the possessions you would take with you if you moved house.
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