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Homeprotect Home Insurance

About Homeprotect:  

• Basic legal expenses and home emergency cover as standard
• Policies underwritten by AXA
• 5 Star-rated by Moneyfacts (2023)

Homeprotect believes there’s no such thing as ‘standard,’ which is why they’ve designed insurance with your personal needs in mind. With instant online quotes, live chat and a UK-based call centre, Homeprotect has helped hundreds of thousands of people protect their home. Homeprotect provides both buildings and contents insurance tailored to a diverse range of properties and circumstances, including: 

• Properties made from non-standard materials
• Homes used to run businesses (and working from home)
• Unoccupied properties
• Holiday and Airbnb homes
• Homes undergoing renovations
• Homes with lodgers 
• Properties made from non-standard materials
• Listed buildings

Buildings insurance from Homeprotect typically includes: 

• Up to £1 million (eligibility criteria applies) to covers the main structure of your home if you need to rebuild or repair it.
• Alternative accommodation cover for you and your pets, in case you can’t live at your home while it’s being repaired after an insured event.
• Trace and access cover for the cost of detecting the source of a water or oil leak and repairing any damage caused in the process.
• Optional accidental damage cover for 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.

Buildings insurance does not cover:  

• Damage caused gradually, or by wear and tear, or by failure to fix a known issue 
• Faulty design or poor workmanship 
• Damage or liability arising out of the activities of contractors 

Contents insurance from Homeprotect typically includes: 

• Cover for the value of all your possessions in the home, on a new for old basis.
• Alternative accommodation cover for you and your pets, in case you can’t live at your home while it’s being repaired after an insured event.
• Optional personal possessions cover for portable items that you take out of your home, like bags, clothes and sports equipment.
• Optional 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 cover for when unexpected accidents happen, such as spillages on the carpet or breakages around the house. Two levels of cover are available.

Contents insurance does not cover:  

• Lost items 
• Items stolen from unoccupied vehicles 
• Damage caused by pets 
• The cost of repairing or replacing items following a mechanical or electrical fault 

All Homeprotect policies include: 

• Legal Protection, which 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.
• Home Emergency, which covers emergencies that occur in your home like uncontrollable water leaks, electricity failure, faulty locks and vermin infestation. Two levels of cover are available.
• Liability cover involving accidental death, bodily injury or illness or property damage that you are legally liable to pay. Up to £5 million.

Get in touch with the Homeprotect team to get a quote and learn more about what your options are.  

Visit the Homeprotect website or call 0330 660 3697. 

Homeprotect is a registered trademark and trading style of Avantia Insurance Limited which is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 304432.