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.
Can I get home insurance if I have a high risk occupation?
HomeProtect aims to provide a quote for home insurance online, whatever your occupation.
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We've insured our home with HomeProtect for 5 years now and have been consistently impressed by the service. This year we needed to change some details which was a very straightforward process and we revived our updated paperwork promptly. I'd highly recommend this company! Trustpilot, 16 February 2017