Homeprotect home insurance

Homeprotect is a London-based direct-to-online-consumer insurer that specialises in home cover.

We compare up to 76 insurers, including quotes from Homeprotect. When you compare home insurance quotes with us, we match your requirements against the insurer's criteria, to see if they'll offer you a quote. This means you may or may not get a quote from Homeprotect.

You can find out more about Homeprotect home insurance below, or if you're ready to start comparing just click on the quote button.

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Why choose Homeprotect home insurance?

Basic legal expenses and home emergency cover as standard
Policies underwritten by AXA
Rated 5 stars by Moneyfacts (2023)

Who is Homeprotect?

Established in 2002, Homeprotect provides home insurance tailored to a diverse range of properties. They believe there's no such thing as 'standard', so they've designed insurance with your personal needs in mind.

They cover several circumstances that might not be covered by standard home insurance, such as:

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

Homeprotect has already helped hundreds of thousands of people protect their homes and belongings. But they're not content with being the leading provider of non-standard insurance. Homeprotect is a building and contents insurer that supports everyone.

Their simple promise? Whoever you are and wherever you live, Homeprotect will be there for you.

Homeprotect policy details

You can get standalone buildings or contents cover, or you can buy combined buildings and contents insurance. Homeprotect offers each of these as one standard home insurance policy that you can modify to fit your circumstances.

Not all policies, modifications and types are available through our site, so the exact levels of cover and benefits may vary. We recommend that you check the level of cover and benefits that your policy includes, and ask Homeprotect to make any required modifications, before buying.

Buildings insurance from Homeprotect includes:

Rebuild cover up to £1 million (eligibility criteria applies). It's possible to get more cover if it would cost more to rebuild your home.
Alternative accommodation cover if your home becomes uninhabitable following an insured event.
Trace and access to cover the cost of locating leaks and repairing any damage following escape of water or oil.
Accidental damage, with 2 levels to choose from - basic and full. Basic provides a limited level of cover. It's designed to protect your home from damage caused by you or guests to the building and permanent fixtures. Full accidental damage provides a comprehensive level of cover to the sum you insure your home and outbuildings for (subject to any policy limits and restrictions).

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.

Homeprotect contents insurance includes:

Personal possessions protection to cover your belongings within and outside of the home, including your garden plants.
Cover for items belonging to a family member living in student accommodation.
Basic legal expenses cover of up to £25,000 to cover any legal fees following disputes regarding your home.
Home emergency cover so you're protected if a pipe bursts, or your power supply fails. This can also include removal of infestations.

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

Homeprotect optional extras

Accidental damage cover can typically be upgraded from no cover or basic cover to a more comprehensive level for buildings, contents, or combined buildings and contents policies. It covers you for any unintentional damage caused to your home. This includes spillages on the carpet, DIY errors, or damage to furniture or electrical items.

Legal expenses cover is included as standard and provides a 24/7 legal advice helpline and up to £25,000 cover for claims involving contract disputes and property damage. Cover can be upgraded, increasing the amount you're covered for and extending cover to include employment and personal injury claims.

Home emergency cover is included as standard and covers emergencies that happen in your home like uncontrollable water leaks, electricity failure, faulty locks and vermin infestation. Cover can be upgraded to include protection in case your main heating system fails, or your roof gets damaged.