High risk occupation home insurance

Some occupations cause insurance companies to worry about the increased risk to the security of your home and your belongings. These occupations tend to either involve you working at home, having regular visitors to the property or if you go out to work at night leaving the property empty and vulnerable to burglars.

These so-called 'hard-to-insure' occupations include childminders, musicians, pop stars, private tutors and jewellers. If you slot into one of these categories you may have experienced long phone calls with insurance companies, followed by reading stringent terms and conditions on your policy and no doubt there has been a hefty premium to pay.

Refreshing change

However, with HomeProtect you’ll notice how easy it is to get your quote and buy your policy online, in minutes. You can even buy your policy on your mobile phone if you’re out and about. You won’t have to talk to us unless you really want to.

The impact of high risk jobs on insurance

There are a number of jobs that entail elevated levels of risk and when it comes to getting insurance when you have a high risk occupation, your job can hold you back. 

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Excellent levels of cover

The HomeProtect home insurance policy has been rated 5 Stars by Defaqto, meaning that it provides excellent levels of cover for both Buildings insurance and Contents insurance. So you can take it easy, knowing that if anything happens to your home or your belongings that we’ll help to put things right.

• Basic Legal Expenses cover included.
• Defaqto 5 Star home insurance.
• 24/7 Claims hotline.
• Alternative accommodation.
• New-for-old contents cover.

Your questions answered

High risk occupation home insurance FAQs

We’ve prepared some helpful answers to your questions about high risk occupation insurance, and about how our policy works.

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As my previous home insurance had gone up nearly 40% in one year, even though there were no claims and a safe area,, it took me less than 20min to find insurance and complete the online information with HomeProtect