wooden and glass non-standard constructed home

Our cover

Specialist Home Insurance

Quick to buy online

  • We cover unusual properties and situations.
  • Wide range of property types and personal circumstances covered.
  • Underwritten by AXA Insurance.
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

Cover for a wide range of personal situations and property types throughout the UK

You might not realise that your situation requires specialist property insurance – until you try to buy or renew your policy, that is! At that point you may discover that many insurers don’t want to cover you.

We’re here to help. At Homeprotect, we specialise in providing insurance for people whose situation or property is not entirely mainstream.

Underwritten by AXA, our specialist home insurance policy can be tailored to fit your circumstances.

Our online quote system is easy to use and can provide you with a personalised quote in 97% of cases. You don’t even have to speak to us unless you want to!

Your situation

We insure landlords, homeowners with lodgers, tenants and flat-mates.

We also cover those who have had difficulties in the past such as people with previous claims, who have had insurance refused, or who have a criminal record or a poor financial history.

And we cover a wide range of occupations too including childminders and foster carers, home workers, and people in what insurance providers regard as ‘high risk’ professions, mainly because they often work night shifts.

Your Property

Your property might require specialist insurance cover because of how it’s constructed, its situation or what you use it for.

For example, we cover listed buildings, timber frame housesconverted barns, houses with flat roofs, concrete homes and even windmills.

We also insure homes in flood risk areas and high theft areas, which have suffered from subsidence, or been underpinned, or are being renovated.

And we insure unoccupied properties, properties going through probate, holiday houses, second homes, and properties used as B&Bs, guesthouses or for Airbnb lets.

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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.

Recommended by our customers

72% Saved money when they switched to Homeprotect*

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


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.


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.


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

If your home doesn’t have brick or stone walls and a tile or slate roof, it may be classed as non-standard by insurance companies.

Non-standard home construction may require specialist home insurance, from an insurance provider who understands the risks involved, because if something does go wrong and you need to make a claim, you will want the policy to cover you to put the property back as it was before.

Every quote is tailored to the value of the individual property, the location, the usage of the property and the value of your belongings and the valuables or itemised personal possessions. Therefore, it is impossible to state that the insurance quote you receive will be less expensive or more expensive than other non-specialist insurance providers.

We do however receive many 5 star reviews from happy customers stating that their Homeprotect specialist insurance quote was much cheaper than their previous insurer.

Please click Get a quote to find out how much the insurance cover would cost for your home. The average quote time is less than 10 minutes, so it’s worth a try.

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.

Some home insurance policies include cover for legal expenses as standard, others offer legal protection as an additional cover option. Legal protection for home insurance will usually give you access to a legal professional for advice, or will cover your legal fees up to a set amount. Amounts vary depending on the insurer. Take a look at the cover levels provided by the Basic Legal Expenses cover and the Full Legal Expenses cover provided by Homeprotect

View more FAQs

Additional Cover Options

Accidental Damage

The Homeprotect policy includes the option of Basic Accidental Damage, which covers electrical home entertainment equipment (such as desktop computers and monitors, DVD and Blu-Ray players, gaming consoles, home cinema systems, sound systems and TVs) up to £1,500 per claim. An upgrade …

Learn More

Legal expenses cover

The insurance policy includes Basic Legal Expenses cover which provides up to £25,000 for legal fees you may face for disputes associated with your home; such as ownership of the insured property; and the sale or purchase of the insured property. You can upgrade to Full Legal Expenses cover.

Learn More

Home emergency cover

The insurance policy includes Basic Home Emergency cover which provides cover for common home emergencies including burst pipes; failure of the domestic power supply (gas or electricity); and removal of pests or vermin. You can upgrade to Full Home Emergency to include cover for roof …

Learn More

Prefer to SPEAK WITH us?

Our insurance experts are on hand if you have any questions.