HOMEOWNER Insurance
Quick to buy online
- Buildings, contents and combined home insurance policies.
- First-time buyers welcome.
- Underwritten by Axa insurance.
- Average quote time is only 10 minutes.
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.
Get a home insurance quote online
Get a quote online in less than 10 minutes*
Recommended by our customers
72% Saved money when they switched to Homeprotect*
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.
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 if you need to rebuild or repair it.
up to £1 million
(eligibility criteria applies)
Contents cover
Covering the value of all your possessions in the home, on a new for old basis.
from £25,000
Alternative accommodation
For you and your pets, in case you can’t live at your home while it’s being repaired after an insured event.
up to £85,000
Home emergency
Covers emergencies that occur in your home like uncontrollable water leaks, electricity failure, faulty locks and vermin infestation. Two levels of cover are available.
up to £500
Family legal protection
Provides a 24/7 legal advice helpline and up to £25,000 cover for claims involving contract disputes and property damage. For a claim to be successful, there must be reasonable prospects (more than a 50% chance) of winning the legal case. Two levels of cover are available.
up to £25,000
Trace and access
Covers the cost of detecting the source of a water or oil leak and repairing any damage caused in the process.
up to £10,000
Outbuildings cover
Covers rebuild or repair of your outbuildings (such as detached garages, greenhouses, sheds and summerhouses).
from £20,000
Liability cover
Liability cover involving accidental death, bodily injury or illness or property damage that you are legally liable to pay.
up to £5 million
Personal possessions
Cover for portable items that you take out of your home, like bags, clothes and sports equipment
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) and valuables (e.g. watches and jewellery) that you take out of your home.
Optional
Accidental damage
Covers situations when unexpected accidents happen, such as spillages on the carpet, breakages around the house or drilling through hidden pipes. 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. The type of policy you need will depend on your situation, what you use the residence for, and how often. If your home is unoccupied for more than 30 consecutive days, Homeprotect can insure your home with unoccupied home insurance.
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.
Prefer to SPEAK WITH us?
Our insurance experts are on hand if you have any questions.