How do I calculate the value of contents to be insured?
Visit every room in your home (including the attic, shed and cupboards under the stairs!) and list all your belongings including kitchen equipment, luggage, rugs etc. Research how much it would cost to replace each item as new and then add up the full amount you’d need to replace everything.
We normally cover the amount you specify, however if you enter a very low amount your policy may include more than this, if this is the case you will be made aware of this before purchasing.
Are items in my shed or garage covered?
In most cases, if you make sure the value of these items are included in the value of contents to be insured. Please note that there are some items that we can't insure such as boats and water skis, please refer to the Policy Booklets for full details.
What is “under-insurance” and what happens if I am under-insured?
Under-insurance means the cost of rebuilding, replacing or repairing the buildings or contents at the time of the loss or damage is more than your amount of cover. If this situation arises the insurer will only pay a portion of the claim.
For example if your amount of cover only covers one half of the cost of rebuilding, replacing or repairing the buildings or contents, the insurer will only pay a half of the cost of repair or replacement.
As an overseas resident with an empty rental property, I needed some help getting past the quoting engine. Called and spoke with Aaron - who made the whole thing a relaxing and (gasp) enjoyable experience. Awesome job and a very competitive quote. Thanks. Trustpilot, 15 February 2017
We contacted HomeProtect after having problems with our other insurance company. We looked on line first and they come up with HomeProtect so we contacted them and from the start they were very helpful and we took out our insurance. Also at Christmas they did a insurance so it covered our Christmas presents which was a surprise and an excellent idea. We would recommend them to anyone. Excellent service. Trustpilot, 1 March 2017
All staff that I had spoken to were professional, had good open communication and clear with the policy. All terminology was explained and time taken to answer any questions. No concerns. Would recommend to others. Trustpilot, 28 June 2017