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Homeowner Insurance

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  • Buildingscontents and combined home insurance policies.
  • First-time buyers welcome.
  • Underwritten by Axa insurance.
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Emma Myrie

Written by

Emma Myrie

Insurance Underwriting Expert

Libby Goodsearles

Reviewed by

Libby Goodsearles

Head of Marketing

Less than 1 minute

Updated: 12 Mar 2024

What is homeowner insurance?

There are two main types of home insurance that homeowners take out. Buildings insurance insures your property and if you have a mortgage, then it’s usually mandatory to have buildings insurance in place. In order to get cover, you need to know the rebuild cost of your home. You may also want to take out contents insurance to protect your furniture and personal possessions.

Homeprotect can provide you with online quotes for buildings insurance, contents insurance, or a combined policy. Our homeowner insurance is designed to be as flexible as possible, so you can tailor the cover levels to meet your needs. 

Who needs combined cover?

Combined insurance policies are designed for people who own a house on a freehold or leasehold basis.

Leasehold homeowners who live in flats, however, tend to take out contents-only insurance to cover their belongings because the freeholder usually insures the building, although it is important to check the exact arrangements for your situation. Similarly, if you rent your home, your landlord will usually be responsible for insuring the building, so you would only need tenant contents cover to protect your furniture and belongings.

Landlords who let out unfurnished or lightly-furnished properties generally choose Buildings-only policies.

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What’s covered by BUILDINGS & contents insurance?

Home insurance provides financial protection if you need to repair your home or replace your belongings after they’ve been stolen, damaged or destroyed.

It comes in two parts: buildings insurance (cover against damage to the property itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you.

What we offer

Quick home emergency response times

Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.

Extreme weather conditions may extend response time. Policy terms and claim limits apply.

5 star rated buildings cover

Our building insurance has been given the highest rating by independent financial research companies, Defaqto and Moneyfacts.

Repair guarantee

Any buildings work we undertake is guaranteed for 24 months following a claim and any contents repair work we undertake is guaranteed for 12 months.

New for old

Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.

Legal advice

We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.

What isn’t included?

Damage cause gradually, or by wear and tear, or by failure to fix a known issue.

Faulty design or poor workmanship.

Damage caused by pets.

The cost of repairing or replacing items following a mechanical or electrical fault.

Lost items.

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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

Covers the main structure of your home, including attached garages and conservatories, if you need to rebuild or repair it following an insured loss. Also covers permanent outdoor structures such as driveways, patios and boundary walls.  

£1 million

(more cover available if you need it) 

Contents cover

Covering the value of the possessions you could take with you when moving home, such as furniture, clothing, valuables, appliances, fittings, entertainment equipment, gadgets and bikes, following an insured loss. Cover provided on a new for old basis. 

from £25,000

Alternative accommodation

Covers the cost of alternative accommodation for you and your pets, together with reasonable expenses (e.g. travel, food, laundry) if you can’t live in your home (or where you’ve been advised to evacuate) due to an insured loss. 

up to £85,000

Home emergency

Covers sudden, unexpected emergencies, such as uncontrollable water leaks, that require immediate corrective action to prevent or limit damage to your home, 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 following an insured loss. There must be reasonable prospects of winning and the incident must have occurred during the policy term. Two levels of cover are available, for different types of insured loss. 

up to £25,000

Trace and access

Covers the cost of detecting the source of a water or oil leak to your home or outbuildings. Includes reinstating any wall, floor, ceiling, drive, fence or path removed or damaged during the search (up to the claim limit).  

up to £10,000

Outbuildings cover

Covers rebuild or repair of your outbuildings (e.g. detached garages, greenhouses, sheds and summerhouses) that are within the boundary or a communal area you’re legally responsible for, if you need to rebuild or repair them following an insured loss. 

from £20,000

Liability cover

Covers damages and claimants’ costs and expenses for your legal liability in the event of accidental death, injury or illness to a third party, or damage to property belonging to a third party. 

up to £5 million

Personal possessions

Covers items likely to be worn, carried or used by you away from your home (e.g. bags, clothes and sports equipment) in the event of physical damage or theft. Cover provided anywhere in the world. 

Optional

Gadgets, bikes and valuables away from the home

Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes), valuables (e.g. watches and jewellery), equipment (e.g. hearing aids) and other expensive or high risk items that you take out of your home. 

Optional

Accidental damage

Covers sudden, unexpected and unforeseen events around the house (e.g. spillages or breakages) that result in physical damage and which was caused by you, your guests, a third party 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?

Your Questions Answered

Home insurance is a type of insurance policy that covers losses and damages to an individual’s house building and their belongings which are kept at home.

If you purchased the property in the last 5 years your homebuyers survey may include the rebuild cost. However if you purchased the property more than 5 years ago you will need to get an up to date assessment.

If your home is of standard construction (normally brick walls and tile roof), not a listed building and not built before 1720 you can use the free online BCIS Rebuild calculator.

If your home is built with non-standard construction materials, or it’s a Listed Building or it was built before 1720, you will need to consult a Chartered surveyor to provide you with an accurate rebuild cost.

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