Foster carer home insurance FAQs

All your questions about foster carer insurance, answered online
Get a quote

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

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

Does providing foster care count as a home business?

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


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.



Satisfied customers

HomeProtect home insurance are highly rated in the Defaqto comparison system and offer additional services in the standard premium (legal expense cover etc.) that cost so much more with other companies, I have been with HomeProtect for three years now and have always checked on price comparison sites to get a better deal but never found one. Trustpilot, 31 January 2017
Everyone at HomeProtect has been brilliant with helping me set up my home insurance. I made several calls with different questions, and each one was answered professionally and dealt with promptly. I would definitely be recommending Home Protect to friends and family. In fact... I already have. Trustpilot, 7 August 2017
We contacted HomeProtect after having problems with our other insurance company. We looked on line first and they come up with HomeProtect so we contacted them and from the start they were very helpful and we took out our insurance. Also at Christmas they did a insurance so it covered our Christmas presents which was a surprise and an excellent idea. We would recommend them to anyone. Excellent service. Trustpilot, 1 March 2017