homeprotect home insurance
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- 72% of customers saved money when they switched their insurance to Homeprotect*.
- Unoccupied, high value homes, holiday homes, non-standard construction, home business use, listed buildings and homes undergoing renovations all covered.
- Underwritten by AXA Insurance.
- Average Quote time under 10 minutes, fast and easy.
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KEEP YOUR HOME SAFE
With our home insurance
Homeprotect was founded in 2002 on a simple principle – to provide protection to people underserved by the home insurance industry. We’re experts at insuring people who want to build or buy a unique property, renovate, rent a home or leave it unoccupied. We can cover people who travel a lot, run a business from home or even collect rare treasures. We protect people who love living in a listed building, having a view of a river or sunbathing on a flat roof.
We’ve already helped hundreds of thousands of people protect their homes and belongings. If you have found it difficult to get home insurance previously, then you will find getting an online quote from Homeprotect a refreshing change. Our customers say they find it really easy to use and easy to understand, even with a home insurance situation that could be quite complex.
*Survey data of 1,089 buying customers from 30th October – 12th November 2024, 72% answered yes to the question ‘Did you save money on your insurance when buying with us today?’. Customers of all types were included in the survey: buildings and contents, buildings only and contents only.
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Get a quote online in less than 10 minutes*
What’s covered by BUILDINGS & contents insurance?
Our home insurance covers insured events like:
- Fire and smoke
- Flood and storm
- Theft and attempted theft
- Escape of water or oil
- Malicious damage
- Subsidence, landslip, and heave
- Falling trees or branches
- Vehicle collisions or damage caused by emergency services
This includes the structure of your main home, outbuildings (such as summer houses and sheds), and permanent outdoor features like patios, driveways, paths and boundary walls. Your contents are also protected, including furniture, electronics, clothing and kitchenware — even those stored in garages, sheds or other outbuildings.
What we offer
Emergency help when you need it most
If you have a home emergency — such as a power outage, uncontrollable leak or a broken lock — our 24/7 Home Emergency cover is included as standard.
- We aim to get an engineer to you within four hours
- For serious water leaks, we’ll try to have a plumber with you in two hours
Response times may vary during extreme weather. Policy terms and claim limits apply.
5 star rated cover
Our insurance has received the highest rating from independent financial researchers, Moneyfacts.
Repair guarantee
We guarantee any buildings work we arrange after a claim for two years. Contents repairs are guaranteed for one year.
New for old
Where we replace a damaged or stolen item, we’ll do our best to match the original — on a ‘new for old’ basis. If that’s not possible, we’ll offer a suitable alternative or a full cash settlement.
Legal support when you need it
Family Legal Protection is included as standard. You’ll have access to expert telephone legal advice on personal matters under the laws of the UK and most of Europe.
What isn’t covered?
There are some things we can’t cover, including:
Gradual damage, wear and tear, or issues you knew about but didn’t fix
Faulty design, construction, or workmanship.
Damage caused by poor maintenance or neglect
Items you don’t own or aren’t legally responsible for
Items stolen from unoccupied vehicles
Damage caused by pets.
Mechanical or electrical breakdown
Keeping your home and belongings in good condition is essential. If damage happens because of neglect or poor maintenance, your claim may be declined, and your policy could be cancelled.
Recommended by our customers
72% Saved money when they switched to Homeprotect*
*Survey data of 1,089 buying customers from 30th October – 12th November 2024
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
Protects the main structure of your home, including attached garages and conservatories, and permanent outdoor features such as patios, driveways and boundary walls.
up to £1 million
(more cover available if you need it)
Contents cover
Protects your household contents — including furniture, clothing, appliances, gadgets and valuables — against events like fire, flood and theft. Cover is provided on a new for old basis.
from £25,000
Alternative accommodation
We’ll help cover the cost of temporary accommodation for you and your pets if your home becomes uninhabitable due to an insured event. If you stay with friends or family instead, we’ll cover your extra living costs.
up to £75,000 (Buildings)
up to £10,000 (Contents)
Home emergency
Covers sudden, unexpected emergencies — like an uncontrollable leak — that require immediate action to prevent damage or make your home secure. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs for certain insured events. There must be a reasonable chance of success, and the incident must happen during your policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Trace and access
We’ll pay to detect the source of a water or oil leak, and cover the cost of reinstating floors, walls or paths that were disturbed in the process.
up to £10,000
Outbuildings cover
Covers detached garages, greenhouses, sheds, summerhouses and other outbuildings within your boundary or any communal area you’re legally responsible for.
from £20,000
Liability cover
Covers your legal liability for accidental death, injury or illness to someone else, or damage to their property.
up to £5 million
Personal possessions
Covers items you wear, carry or use outside the home (e.g. clothing, bags and sports equipment).
Optional
Gadgets, bikes and valuables away from the home
Optional cover for mobile phones, laptops, tablets, watches, jewellery, hearing aids and other high-risk items you take out of your home.
Optional
Accidental damage
Optional cover for unexpected mishaps around the home — such as breakages, spillages or damage caused by you, your guests or wild animals. 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
Yes — your Buildings insurance includes cover for outbuildings such as garages, sheds, greenhouses, summerhouses, and other domestic structures within the boundary of your home, or any communal area you’re legally responsible for.
Outbuildings are covered for insured events like fire, storm, flood, theft and more — up to the Outbuildings sum insured shown in your Policy Schedule. The standard limit is £20,000, but this can be increased if needed.
Buildings insurance covers the structure of the home together with its fixtures and fittings: it covers the cost of repair or rebuilding after fire or weather damage for instance. Contents insurance covers the contents of your home, the possessions you would take with you if you moved house.
If you own the freehold, yes. If you live in a leasehold flat, the freeholder usually arranges buildings cover, but check your lease to be certain.
When you purchased the property a homebuyer’s survey is likely to have included the date of construction.
Alternatively, your local authority may have a record of when planning permission was granted to build the property. Your neighbours may also have an idea of when the property was built.
Note: A rough estimate of the property construction date is enough for the purposes of getting your home insurance quote.
If you have a heritage property, here are some steps to take:
- Search for your property for free in the 1862 Act register on Land Registry’s digital archives.
- Look at the architectural style and features of the house, particularly the roof and windows.
- Check your county record offices, local parish records or ask to view local archives at your library.
- Look for old copies of Ordnance Survey maps for your area (local library).
- Google for a local historian or a historical society and contact them to see if they can help you.
- Look at census data between 1841 and 1911 to find the first year that the address was mentioned.