High Risk Home Insurance FAQs
Will my laptop be covered as standard, or do I need to list it separately?
No. Your laptop will not be covered as standard. This will need to be specified as a high risk item for it to be covered, regardless of the value.
Can the policy cover my personal possessions when I take them out of the home?
Yes, we offer cover for general personal possessions anywhere in the world. This cover is for theft and accidental damage for items you take out on a daily basis or take on holiday, such as jewellery, watches, cameras and clothing.
There is a limit on each item of £1,500, and the minimum amount of cover provided is £1,500 this can be increased to suit your needs.
If there are any items over £1,500 they will need to be specified on your policy.
Does the policy cover jewellery?
Yes, HomeProtect does provide cover for your jewellery. If an item of jewellery is worth more than £1,500 it will need to be specified as a high risk item.
Please note, that the policy includes a maximum of £5,000 cover in total for gold, silver, gold and silver plated articles, other precious metals, jewellery and furs; or 20% of the total value of contents to be insured. You can increase this limit if needed. Please contact our team to arrange a higher level of cover.
If you need to cover your jewellery away from the home, please make sure you choose to add cover away from the home when you purchase your policy. Your jewellery will then be insured for periods of up to 90 days, away from the home and outside of the UK.