Home Insurance for Foster Carers
- Cover for short and long-term placements.
- Buildings Cover up to £1 million.
- Underwritten by AXA Insurance.
- Average quote time is only 10 minutes.
More information
Home Insurance for Foster Carers
We know that your foster children are part of the family. That’s why we make it as easy as possible for foster carers to gain home insurance. Unlike many other insurers, we don’t single you out with hard questions. At Homeprotect:
- Foster children count as family members.
- Foster care is not considered a home business.
- Unless foster care is your primary occupation, you don’t need to declare it.
That means that all your foster children and their possessions can be included under your home insurance policy, just as they should be. We can provide a quote even if you are fostering in the short-term.
Making sense of finances
Foster carers often receive a weekly allowance to support childcare. This can raise questions about whether fostering is classed as an occupation. But when it comes to getting foster care home insurance from us, this is not classed as working from home.
If you do also run a business from home, however, then we can still provide a quote that is tailored to meet your needs.
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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*
*Survey data of 1,089 buying customers from 30th October – 12th November 2024
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, including attached garages and conservatories, if you need to rebuild or repair it following an insured loss. Also covers permanent outdoor structures such as driveways, patios and boundary walls.
£1 million
(more cover available if you need it)
Contents cover
Covering the value of the possessions you could take with you when moving home, such as furniture, clothing, valuables, appliances, fittings, entertainment equipment, gadgets and bikes, following an insured loss. Cover provided on a new for old basis.
from £25,000
Alternative accommodation
Covers the cost of alternative accommodation for you and your pets, together with reasonable expenses (e.g. travel, food, laundry) if you can’t live in your home (or where you’ve been advised to evacuate) due to an insured loss.
up to £85,000
Home emergency
Covers sudden, unexpected emergencies, such as uncontrollable water leaks, that require immediate corrective action to prevent or limit damage to your home, or make your home secure. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs following an insured loss. There must be reasonable prospects of winning and the incident must have occurred during the policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Trace and access
Covers the cost of detecting the source of a water or oil leak to your home or outbuildings. Includes reinstating any wall, floor, ceiling, drive, fence or path removed or damaged during the search (up to the claim limit).
up to £10,000
Outbuildings cover
Covers rebuild or repair of your outbuildings (e.g. detached garages, greenhouses, sheds and summerhouses) that are within the boundary or a communal area you’re legally responsible for, if you need to rebuild or repair them following an insured loss.
from £20,000
Liability cover
Covers damages and claimants’ costs and expenses for your legal liability in the event of accidental death, injury or illness to a third party, or damage to property belonging to a third party.
up to £5 million
Personal possessions
Covers items likely to be worn, carried or used by you away from your home (e.g. bags, clothes and sports equipment) in the event of physical damage or theft. Cover provided anywhere in the world.
Optional
Gadgets, bikes and valuables away from the home
Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes), valuables (e.g. watches and jewellery), equipment (e.g. hearing aids) and other expensive or high risk items that you take out of your home.
Optional
Accidental damage
Covers sudden, unexpected and unforeseen events around the house (e.g. spillages or breakages) that result in physical damage and which was caused by you, your guests, a third party or wild animals. Two levels of cover are available.
Optional
Your Questions Answered
Accidental damage cover is optional.
Basic Accidental Damage cover is optional with your contents insurance and covers consumer electronics used for entertainment purposes that are not designed to be portable, 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.
Basic Accidental Damage cover is optional with your building insurance and covers fixed glass in windows, doors, fanlights and skylights, ceramic or induction hobs, solar panels, fixed sanitary ware and bathroom fixtures and underground pipes and services, up to £1,500 per claim.
Due to the nature of foster care, and particularly for short-term cases, you may be uncertain of the number of children that will be in your care during the 12 month period of the policy. In this case, simply complete an online quote using the maximum number of dependent children that you think will be living with you. If your circumstances change, then please contact our Customer Services team to let us know.
Homeprotect views all children as dependents. Simply list them as you would any other member of the family.
Yes, business equipment is covered as standard under a Homeprotect Contents policy – up to £3,000 per claim. A higher claim limit can potentially arranged following referral to our underwriting team.
We define business equipment as equipment used to run your business, such as desktop computers, keyboards, monitors, office furniture, photocopiers, printers, routers.
Laptops, mobile phones and other electronic gadgets are also covered under a Homeprotect Contents policy, though these are not subject to the £3,000 claims limit.
Business tools (e.g. professional lawnmowers, kilns, power tools) and business stock are not covered as standard under a Homeprotect policy, though they can be potentially covered following referral to our underwriting team.
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?
Find answers to some of your questions here. Your latest policy documents are also available to view and download.
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 …
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.
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 …
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