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- What does Home Insurance cover?
- Can I insure my bicycle with you?
- Does the policy cover wear and tear?
- Will my laptop be covered as standard, or do I need to list it separately?
- Is damage caused by animals covered?
- Does home insurance cover damage caused by fracking?
- What’s the difference between high risk items and general personal possessions?
- Why do I need to fill in all the details about the property if I only need contents insurance?
- What is meant by 'accessible windows'?
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- What does the optional “Full Home Emergency” cover?
- Where can I get more information on working from home insurance?
- How does HomeProtect define ‘Home’?
- Can the policy cover my personal possessions when I take them out of the home?
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- Can I choose what excess to pay in the event of a claim?
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- What sort of things are NOT covered by my buildings insurance?
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- My home business is growing. What cover do I need?
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- What does the included Basic Home Emergency cover?
- Does contents insurance cover mobile phones?
- Does house insurance cover boilers?
- Is business equipment covered under your policy?
- If I lose my keys, will the policy pay for replacing my locks?
- Does the policy cover my home whilst it’s being renovated?
- Is damage by pets covered?
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- Does house insurance cover public liability?
- How do I find the rebuild cost of my listed building home or my period property?
- What does the included “Basic Accidental Damage” cover?
- What is covered by contents insurance?
- What sort of things are NOT covered by my contents insurance?
- What is mobile phone insurance?
- Does the policy cover my contents whilst in storage?
- If my home insurance covers computers and printers, do I need separate insurance to work from home?
- Do I get a discount if I have BSI approved door locks on all doors?
- What do BSI and NACOSS mean?
- Does the policy cover my electronic gadgets, tablets, mobile phones etc?
- Do I get a discount if I have window locks on all windows?
- Does home insurance cover lightning damage?
- What does the included “Basic Legal Expenses” cover?
- Is ‘trace and access’ covered?
- Does the policy cover jewelry?
- What’s the difference between buildings insurance and contents insurance?
- I have “Buildings cover excluding optional Accidental damage” what does this mean?
- What are classed as high risk items?
- Does the value of my cover increase every year automatically?
- Are there any age limits on buying home insurance?
- Are iPad screens covered?
- Are satellite dishes covered by buildings insurance?
- Are my children at university covered by my contents insurance policy?
- Are solar panels covered by buildings insurance?
- Is my cover index-linked?
- How can I calculate the rebuild cost of my renovated property?
- Will I receive a discount for using eco materials?
- I have “Consecutive days unoccupied 30” what does this mean?
- Where can I find what is covered in my policy?
- Can I arrange cover just for my personal items?
- How much is building and contents insurance?
- Does HomeProtect sell any other types of insurance?
- Can HomeProtect insure properties in the Channel Islands?
- Injury or death at my property, will the policy cover any claim made against me if I am found at fault?
- What does the optional “Lost key cover” cover?
- What does the optional “Full Accidental Damage” cover?
- What is meant by minimum security?
- Does the policy cover my desktop computer?
- What happens if part of a set or suite is damaged or lost?
- We have foster children living with us, are their belongings covered by contents insurance?
- Do I need to provide proof of ownership for all of my possessions?
- Do you cover damage caused by carpet moth?
- Will my policy include excesses?
- What is the definition of “renovation” used in the policy terms?
- We have grandparents living with us, are their belongings covered by contents insurance?
- What is 'under-insurance' and what happens if I am under-insured?
- What does HomeProtect contents insurance cover?
- Do I need to specify all of my valuable items, such as furniture and stereo equipment?
- If I accidentally injure someone playing sports, will the policy cover any claim made against me if I am found at fault?
- My home insurance policy is with my mortgage company. Can I switch?
- Do you cover musical instruments?
- Does my home insurance state who takes responsibility for maintaining the property?
- Are acts of God covered by insurance?
- Are mobile phones covered by home contents insurance?
- Are mobility scooters covered as individual valuables?
- Is my boiler covered by the Full Home Emergency cover?
- Can HomeProtect insure properties abroad?
- Does the policy cover an empty house?
- As a landlord, can I get cover for the boiler in case it breaks down?
- What does landlord insurance cover?
- Are front door locks covered?
- Are dishwashers part of contents?
- Is accidental damage automatically part of my insurance policy?
- What is legal expenses insurance?
- What does accidental damage cover mean?
- Are things in the garden, such as plants, fences and ornaments covered by the policy?
- Are items in my shed or garage covered?
- Will having a burglar alarm system reduce the cost of my insurance?
- Are my personal possessions covered outside the home or if I go on holiday?
- How do I calculate the value of contents to be insured?
- Does the policy cover my contents whilst I’m moving home?
- If items are stolen from my car, would they be covered by my contents insurance?
- What is an excess?
- Where can I find out what is covered in my policy?
- How do I find out when my property was built?
- Renewing
- How do I “opt-out” of automatic renewal?
- I’m renewing my policy and want to switch to pay a one-off payment, how do I do this?
- How can I tell if my policy will automatically renew at the end of this current term?
- What payment options are there when it renews?
- How do I renew my policy for another year?
- Why does the policy renew automatically?
- Cancelling
- Why do I have to pay a cancellation fee?
- How much is the cancellation fee?
- Is there a cooling-off period?
- After paying annual home insurance can you get a refund if you cancel?
- Is there a cancellation fee during the cooling-off period?
- Will I get a refund if I cancel my home insurance?
- I need to cancel part way through the year but I have a “12 month endorsement”, what does that mean?
- How do I cancel?
- Contacting us
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- How do I access my policy documents?
- Making changes
- How do I change the type or amount of cover after I have bought my policy?
- How do I add more high risk items to my policy?
- I’m going to renovate my property, how does this affect my policy?
- How do I add an item to my contents insurance?
- How do I change my name as shown on the policy?
- I’m going to add solar panels to my property, how does this affect my policy?
- Why does the price have to be re-calculated when I move property?
- I’ve had my home rebuilding cost assessed and I need to increase it during the policy year, how do I do this?
- Can I move my buildings insurance policy to cover my new home?
- What do you need to know about the new property that I’m moving to?
- How do I change the payment date or bank details for my payments?
- How do I add a joint policyholder during the policy term?
- What if my circumstances change during the time I’m insured with you?
- I’m going to get a lodger, how does this affect my policy?
- I’m going to let my property out to tenants, how does this affect my policy?
- What fees do you charge if I want to change something on my policy?
- Can I move my contents insurance policy to cover my new home?
- How do I increase the value of contents cover during the policy year?
- Payment
- I want to pay by Direct Debit, how does that work?
- Why have I received an email from Premium Credit?
- How do I set up my Direct Debit with Premium Credit?
- Why have I received a £10 charge from Premium Credit?
- I want to pay by cheque, who do I make the cheque payable to?
- I’ve missed 3 or more instalments, what happens now?
- I didn’t want to renew my policy, but a direct debit payment has been taken, how do I sort this out?
- How do I change my bank details for the direct debit?
- Is it safe to make my payment via the HomeProtect website?
- How do I change the date that the monthly payment is taken?
- I’m renewing my policy and want to switch to monthly direct debits, how do I do this?
- I’ve missed 1 or 2 monthly payments but want to pay it up to date now, how do I sort this out?
- What is IPT?
- What fees do you charge?
- I’d like to pay for the policy in full part way through the year, how does this work?
- When are payments taken each month if I pay monthly?
- Can I pay for my home insurance using someone else’s credit card?
- Who is Premium Credit?
- How do I change my contact details on the direct debit account?
- Why have I been asked to set up a credit agreement with Premium Credit?
- What is “pc/homeprotect” on my bank or credit card statement?
- Claiming
- Will my claim be settled on a “new for old” basis?
- Why was my insurance claim refused?
- What do I do if my pipes freeze?
- Why isn’t wear and tear covered by home emergency?
- What happens if I can’t live in my property because of loss or damage?
- How long does it take for a claim to be settled?
- What happens if I can’t live in my property because of an emergency?
- How do I make a claim?
- How do I access my policy schedule documents?
- How many claims can I make in a year?
- Will it affect my policy if I claim?
- I don’t have receipts for some of my valuables, does this affect my claim?
- What is a policy excess?
- How will my claim be settled?
- Who do I call in the case of a home emergency?
- What do I have to pay if I make a claim?
- How many callouts can I request in a year?
- Can I use my own plumber, builder or electrician to repair the fault/damage?
- How soon do I need to call to request a home emergency callout?
- What qualifies as a home emergency?
- How do I find out what excess I will need to pay towards a claim?
- How soon after taking out a policy can I claim?
- Buying a policy
- My quote has been referred, what does this mean?
- Why does HomeProtect offer cover when other insurance providers refuse?
- Is it a legal requirement for a landlord to have insurance?
- What insurance should I buy for my furnished let property?
- Is it compulsory to have buildings insurance?
- Is it a legal requirement to have contents insurance in a rented property?
- How do I retrieve a saved quote?
- How do I retrieve a quote I saved before?
- Is property insurance mandatory?
- How is my insurance premium calculated?
- Who underwrites HomeProtect insurance policies?
- When will I receive my home insurance policy documents?
- What makes HomeProtect different?
- How do I get a new home insurance quote?
- What does flood re mean?
- Is there anything I can do to my property to lower the cost of the insurance policy?
- What is an act of God?
- I don’t live in my property, can I still get an online quote?
- What is a house insurance policy?
- Where can I find what is covered in the policy?
- Do you need insurance if you rent a house?
- What is house insurance?
- What do HomeProtect customers say about HomeProtect?
- How can I reduce my premium?
- Why would I choose HomeProtect?
- Why choose additional accidental damage cover?
- How can I buy a Flood Re policy?
- Why can’t I just buy home insurance for my let property?
- You and your property
- I work from home, does this affect my policy?
- What is covering on a roof?
- Where can I get more information on flood risk?
- What does joint policyholder mean?
- Does everyone have the right to rent?
- Do I need to have a contract with lodgers?
- Do I need specialist insurance if I am building my own house?
- If a tenant refuses to pay their rent, how do I get the money I’m owed?
- Why can’t I get normal house insurance for my holiday home?
- When do I need to get an HMO license?
- How often should I get my flat roof assessed?
- What is probate property?
- How do I add a joint policyholder to the policy?
- How can I trust strangers to be guests in my holiday home?
- When is an EPC required?
- Do you pay more for grade 2 listed house insurance?
- What date did Flood Re start?
- Can I insure my building which is divided up into several leasehold flats?
- Whose responsibility is it to look after the rented property?
- Can I get home insurance for a mobile home or houseboat?
- How do I find the rebuild cost of my property?
- Do you insure thatched houses?
- Can I insure a property that is not my permanent residence?
- Do I need a burglar alarm?
- What is a party wall?
- How do I find out the rebuild value of my property?
- What insurance do I need to rent out my house?
- Does providing foster care count as a home business?
- What is the definition of a criminal conviction?
- What should I do if the number of children in my care changes?
- What experiences have customers had with your holiday home cover?
- What are the different types of shared occupancy?
- How do I add my mortgage company details to the policy documentation?
- How should I list my foster children in the online quote form?
- What is the law on probate?
- When is a conviction spent?
- Does the policy cover my property whilst it is empty and up for sale?
- What does it mean when a house for sale is in probate?
- How do you work out the flood risk to my property?
- How often do I have to visit my unoccupied house?
- How do I work out the rebuild cost of my conversion?
- What is a grant of probate?
- Can I insure a property when the owner is deceased and the property is empty?
- Why take out listed buildings insurance with HomeProtect?
- What information do I have to declare about my conviction?
- Can you insure me for short-term/respite foster care?
- Does the policy cover my home and belongings even if I have lodgers living with me?
- Do I have to declare spent convictions to insurance companies?
- Will my policy be affected if I go away on holiday?
- What are the legal issues of running a B&B?
- I don’t know how much of my roof is flat, how do I find out?
- What should you do if a tenancy ends unexpectedly?
- How do I estimate my home insurance?
- What happens to my information?
- What is employers’ liability insurance?
- Why won’t most insurers cover a property in probate?
- Who should I include as a joint policyholder?
- How easy is it to insure my non-standard construction property?
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