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
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