High risk occupation home insurance

If you work from home, have regular visitors, or you work overnight, home insurance can be tricky

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.

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.

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High risk occupation insurance FAQs

Answesr to your questions, including why jobs that involve late shifts count as high risk occupations for home insurance.

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Excellent levels of cover

The HomeProtect home buildings insurance policy has been rated 5 Stars by Defaqto, meaning that it provides excellent levels of cover. 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 buildings insurance.
24/7 Claims hotline.
Alternative accommodation.
New-for-old contents cover.

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Your questions answered

Why do jobs which involve late shifts count as high risk occupations for home insurance?

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!

What other aspects of my occupation affects my insurance?

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 offiers 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.