HOME INSURANCE
- Buildings, contents and combined home insurance policies.
- Wide range of circumstances covered.
- We’ve insured 100,000s of customers.
- Underwritten by AXA
More information
What is home insurance?
Home insurance protects your property and belongings against financial loss caused by insured events like fire, flood, storm, escape of water, subsidence, theft, and more. It offers peace of mind and a safety net if the unexpected happens.
There are two main types of cover:
- Buildings Insurance: Covers the structure of your home, including the roof, walls, floors, doors and permanent fixtures like fitted kitchens and bathrooms. It also covers outbuildings, driveways, patios and boundary walls.
- Contents Insurance: Covers movable possessions in your home, such as furniture, clothing, gadgets, bikes, valuables, and household goods.
You can choose either type individually or combine both under a single policy.
Do I need home insurance?
Most mortgage providers require buildings insurance as a condition of the loan. If you own your home outright, it’s still a good idea to have buildings insurance to protect against expensive rebuild costs.
If you rent, your landlord is responsible for buildings insurance, but you may want contents insurance to protect your belongings.
Home insurance isn’t mandatory by law, but it can save you from large repair or replacement costs if things go wrong.
Premiums vary based on factors such as:
– Property type, size, and location
– Rebuild cost of your home
– Value of your belongings
– Security features (e.g. locks, alarms)
– Your claims history and optional extras
The quickest way to find out what you’ll pay is to get an online quote. Homeprotect can quote for 97% of UK properties.
What do I need to get a home insurance quote?
To get a quote for a Homeprotect home insurance policy go to our quote site here and fill out the form about your property, its contents, usage and residents. It takes 10 minutes on average*.
Why should I get home insurance with Homeprotect?
Homeprotect offers comprehensive cover, designed to meet a range of home insurance needs. We cover many non-standard situations, including:
- Properties in flood zones
- Second homes, holiday homes, or unoccupied homes
- Properties undergoing renovation
- Homes used partly for business
KEY BENEFITS OF HOMEPROTECT HOME INSURANCE
- 5-star rated cover (Moneyfacts)
- Legal expenses and basic home emergency cover included as standard
Tailored options for high value homes and unique properties
Home Insurance Reviews
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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.
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
An excess is the portion of a claim that you’re responsible for paying. It’s either deducted from your settlement or collected from you if we arrange a repair or replacement. You can find out what excesses you’ll need to pay by logging in to make a claim and selecting your policy in the “Check my cover” section. Your excesses are also listed in your policy documents.
There are three types of excess:
- Compulsory excess – A fixed amount that applies to most claims, based on the type of damage. If your claim includes both Buildings and Contents, a compulsory excess will apply to each.
- Special excess – A higher excess that applies to specific events like flood, escape of water, subsidence, landslip, or heave. If both Buildings and Contents are affected, only one special excess applies.
- Voluntary excess – An extra amount you choose when buying your policy to lower your premium. If your claim includes both Buildings and Contents, the voluntary excess applies to each.
- Exception: voluntary excesses do not apply to Flood Re claims.
You can find your excess amounts in your Policy Schedule or by logging in and selecting your policy in the “Check my cover” section.
Examples:
Example 1 – Claim for one type of damage
Romesh claims for accidental damage to his buildings.
- Compulsory excess: £249
- Voluntary excess: £150
Total excess: £399
Example 2 – Claim affecting both Buildings and Contents
Sam’s theft claim involves damage to both buildings and contents.
- Buildings excess: £249 compulsory + £150 voluntary
- Contents excess: £149 compulsory + £50 voluntary
Total excess: £598
Example 3 – Escape of water affecting both Buildings and Contents
Frankie’s claim is for escape of water.
Voluntary excesses: £100 for Buildings + £100 for Contents
Total excess: £700
Special excess: £500 (applies once)
Carpets are classed as fittings and covered under both buildings and contents insurance. For accidental damage to carpets, you’ll need Full Accidental Damage cover – though note there is a £750 claim limit on accidental damage to carpets.
Your home must be secured with appropriate locks, such as:
- BS3621/TS621 locks on external doors
- Multi-point locking on double-glazed doors
- Top and bottom bolts on French doors
Yes, outbuildings (including sheds) are included in your buildings cover. Just make sure your outbuildings sums insured is enough to cover the rebuild cost.
Yes. You can:
- Increase your voluntary excess
- Review optional extras
- Only cover what you need
Yes. Areas with a higher risk of claims (e.g. flooding or burglary) may have higher premiums.
Yes, if you’ve listed the items (called ‘specifying’) for cover away from the home.
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Our insurance experts are on hand if you have any questions.