Home insurance for foster carers

We take foster children into account as if they were your own

We know that you treat your foster children as a part of the family. That’s why we make it as easy as possible for foster carers to gain home insurance. Unlike many other insurers, we don’t single you out with hard questions. At HomeProtect:

Foster children count as family members.
Foster care is not considered a home business.
Unless foster care is your primary occupation, you don’t need to declare it.

That means that all your foster children and their possessions can be included under your home insurance policy, just as they should be. We can provide a quote even if you are fostering in the short-term.

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What is foster care?

Becoming a foster parent can be a life changing experience, not only for you but also for the young people in your care.

Read the article

Protecting the whole family

If you are sharing your home by fostering children, then it’s important to make sure that someone is also supporting you, protecting your home and your belongings. HomeProtect can offer online quotes for foster parent home insurance in just a few clicks.

Making sense of finances

Foster carers often receive a weekly allowance to support childcare. This can raise questions about whether fostering is classed as an occupation. But when it comes to getting foster care home insurance from us, this is not classed as working from home.

If you do also run a business from home, however, then we can still provide a quote that is tailored to meet your needs.

What our customers say

Your questions answered

Do I need to buy specialist home insurance before I become a foster parent?

Once you take a foster child or the foster children into your care, you should inform your home insurance provider that you are fostering and there are now more children living in your home as this may affect the cover provided. Be sure to include the cost to replace the child's belongings in your contents insurance.

Can you insure me for short-term/respite foster care?

Yes! Even if you foster children on a short-term or respite care basis then we can still provide insurance cover. We may need to discuss the details with you, however, so as to provide an accurate quote. In this case, please follow the online instructions, or contact us.

Does providing foster care count as a home business?

No, although foster carers are classed as being self-employed for tax purposes, this is not the case for receiving a home insurance quote. We can still provide a quote if you do in fact run a business from home in addition to being a foster carer.

What should I do if the number of children in my care changes?

Due to the nature of foster care, and particularly for short-term cases, you may be uncertain of the number of children that will be in your care during the 12 month period of the policy. In this case, simply complete an online quote using the maximum number of dependent children that you think will be living with you. If your circumstances change, then please contact our Customer Services team to let us know.