HIGH RISK OCCUPATION HOME INSURANCE
Quick to buy online
- Every type of occupation covered.
- Includes shift workers and childminders.
- Underwritten by AXA insurance.
HOME INSURANCE COVER WHATEVER YOUR OCCUPATION
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, taxi drivers and the police. 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.
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.
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What’s covered by BUILDINGS & contents insurance?
Home insurance provides financial protection if you need to repair your home or replace your belongings after they’ve been stolen, damaged or destroyed.
It comes in two parts: buildings insurance (cover against damage to the property itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you.
What we offer
Quick home emergency response times
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.
5 star rated buildings cover
Our building insurance has been given the highest rating by independent financial research companies, Defaqto and Moneyfacts.
Repair guarantee
Any buildings work we undertake is guaranteed for 24 months following a claim and any contents repair work we undertake is guaranteed for 12 months.
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?
Damage cause gradually, or by wear and tear, or by failure to fix a known issue.
Faulty design or poor workmanship.
Damage caused by pets.
The cost of repairing or replacing items following a mechanical or electrical fault.
Lost items.
buildings & Contents Insurance Cover Levels
Our home insurance is designed to protect your home against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.
Buildings cover
Covers the main structure of your home if you need to rebuild or repair it.
up to £1 million
(eligibility criteria applies)
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 £85,000
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
Trace and access
Covers the cost of detecting the source of a water or oil leak and repairing any damage caused in the process.
up to £10,000
Outbuildings cover
Covers rebuild or repair of your outbuildings (such as detached garages, greenhouses, sheds and summerhouses).
from £20,000
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
New Customer?
If you’re deciding on whether to buy home insurance with us, you can use our latest policy booklets as a guide.
Existing Customer?
Find answers to some of your questions here. Your latest policy documents are also available to view and download.
Your Questions Answered
It’s an unfortunate fact of crime statistics that properties which are empty overnight (because you’re working a night shift) are at higher risk of being burgled. This can impact a surprisingly wide range of occupations including doctors and nurses, and security guards but also musicians, especially if your band is well enough known that thieves can find out when you’re out at a gig!
Some lines of work lead you to storing cash – or other items which are highly attractive to burglars – at home, whether overnight or longer term. This group includes jewellers, taxi drivers, shop workers and book makers.
Police officers can also be targets for malicious damage or arson.
Having a high volume of visitors to your home for business purposes – for example, because you’re a childminder – increases the risk of accidental damage and public liability claims which impacts your insurance premium.
Homeprotect aims to provide a quote for home insurance online, whatever your occupation.
Additional Cover Options
Accidental Damage
The Homeprotect policy includes the option of Basic Accidental Damage, which covers electrical home entertainment equipment (such as desktop computers and monitors, DVD and Blu-Ray players, gaming consoles, home cinema systems, sound systems and TVs) up to £1,500 per claim. An upgrade …
Legal expenses cover
The insurance policy includes Basic Legal Expenses cover which provides up to £25,000 for legal fees you may face for disputes associated with your home; such as ownership of the insured property; and the sale or purchase of the insured property. You can upgrade to Full Legal Expenses cover.
Home emergency cover
The insurance policy includes Basic Home Emergency cover which provides cover for common home emergencies including burst pipes; failure of the domestic power supply (gas or electricity); and removal of pests or vermin. You can upgrade to Full Home Emergency to include cover for roof …
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