HANDBAG INSURANCE
Homeprotect does not provide standalone handbag insurance. Rather handbags can typically be covered under home contents insurance – both inside and away from the home. Read more about our contents insurance.
insuring your handbag as part of your contents insurance
Your handbag isn’t just an accessory, it’s a valuable item that you take everywhere. Think of what you carry in your handbag; your keys and purse, including cash, perfume, make-up, sunglasses, your mobile phone and tablet. Now think of what it would cost to replace all of those items if your bag or stolen.
Including your handbag as part of your home insurance is a no-brainer when you add up the value of the items you carry every day, especially if you use a designer handbag which is also of high value.
Handbags aren’t covered away from the home as standard, but with Homeprotect you can choose additional cover for these personal possessions outside the home. This will give you the peace of mind that the devices and objects you use daily are protected against damage or theft wherever you are.
Our policy includes a single item limit of £1,500. If you are carrying valuables that equals or exceeds this amount then you must specify them individually in your policy. Note that to cover your electronic gadgets such as tablets and mobile phones outside your home you also need to specify these on your policy.
find out more about our cover
For complete peace of mind all year round, include the items you carry with you when travelling on your policy. We can cover you for most of these items whilst you’re abroad. See what’s covered in the policy booklet.
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What’s covered by contents insurance?
Your belongings make your house feel like home. If they’re stolen, damaged or destroyed, our contents insurance helps cover the cost of replacing them — so you’re not left out of pocket.
- Fire and smoke
- Flood and storm
- Theft and attempted theft
- Escape of water or oil
- Malicious damage
This includes items like furniture, electronics, clothing and kitchenware — plus a limited amount for contents stored in garages, sheds and outbuildings within your boundary.
What we offer
Emergency help when you need it most
If you have a home emergency — such as a power outage, uncontrollable leak or a broken lock — our 24/7 Home Emergency cover is included as standard.
- We aim to get an engineer to you within four hours
- For serious water leaks, we’ll try to have a plumber with you in two hours
Response times may vary during extreme weather. Policy terms and claim limits apply.
5 star rated cover
Our insurance has received the highest rating from independent financial researchers, Moneyfacts.
12-month repair guarantee
Any repair work we arrange after a claim is guaranteed for one year.
New for old
Where we replace a damaged or stolen item, we’ll do our best to match the original — on a ‘new for old’ basis. If that’s not possible, we’ll offer a suitable alternative or a full cash settlement.
Legal support when you need it
Family Legal Protection is included as standard. You’ll have access to expert telephone legal advice on personal matters under the laws of the UK and most of Europe.
What isn’t covered?
There are some things we can’t cover, including:
Items you don’t own or aren’t legally responsible for
Items stolen from unoccupied vehicles
Gradual wear and tear, or damage caused by pets
Faulty design, construction, or workmanship or failure to fix a known issue
Mechanical or electrical breakdown
Keeping your home and belongings in good condition is essential. If damage happens because of neglect or poor maintenance, your claim may be declined, and your policy could be cancelled.
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
Protects your household contents — including furniture, clothing, appliances, gadgets and valuables — against events like fire, flood and theft. Cover is provided on a new for old basis.
from £25,000
Alternative accommodation
We’ll help cover the cost of temporary accommodation for you and your pets if your home becomes uninhabitable due to an insured event. If you stay with friends or family instead, we’ll cover your extra living costs.
up to £10,000
Home emergency
Covers sudden, unexpected emergencies — such as an uncontrollable leak — that require immediate action to prevent damage or secure your home. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs for certain insured events. There must be a reasonable chance of success, and the incident must happen during your policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Liability cover
Covers your legal liability for accidental death, injury or illness to someone else, or damage to their property.
up to £5 million
Personal possessions
Covers items you wear, carry or use outside the home (e.g. clothing, bags and sports equipment).
Optional
Gadgets, bikes and valuables away from the home
Optional cover for mobile phones, laptops, tablets, watches, jewellery, hearing aids and other high-risk items you take out of your home.
Optional
Accidental damage
Optional cover for unexpected mishaps around the home — such as breakages, spillages or damage caused by you, your guests or wild animals Two levels of cover are available.
Optional
Your Questions Answered
Yes, we offer cover for general personal possessions anywhere in the world. This cover is for theft of and physical damage to items individually worth less than £1,500, that are likely to be worn, carried or used by you away from the home, such as bags, clothes and sports equipment. Electronic gadgets (e.g. Mobile phones, tablets, headphones, laptops), bikes, high risk items and items worth £1,500 or more will need to be specified on your policy.
We are currently unable to offer personal possessions cover as a standalone product – this can only be purchased as an additional extra option with contents insurance.
Yes! If you need to claim, it will be useful if you have a receipt, bank or credit card statement that shows its purchase price.
For handbag insurance purposes, a handbag is a single bag in which you carry your valuables, such as your purse or wallet and keys, including rucksack-style bags and manbags.
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