Home Protect

Home Protect operates as a provider of specialist home insurance within the UK market. The firm offers a range of insurance products designed to cover various aspects of property ownership and occupancy. These offerings include general home insurance, buildings and contents insurance, standalone buildings insurance, and contents insurance. The company aims to address a diverse set of insurance needs, extending beyond standard policies to cater to more complex or unique situations.

The company's insurance solutions encompass a broad spectrum of property types and circumstances that may be considered non-standard by other insurers. Home Protect provides coverage for properties with non-standard construction, such as listed buildings, timber frame homes, converted barns, and properties featuring flat roofs. Additionally, the firm offers policies for high-value homes and heritage homes. The company also addresses specific property situations, including properties undergoing renovation, those located in areas prone to flood risk, properties affected by subsidence, and those that have been underpinned.

Coverage is also available for properties situated in high theft areas. Home Protect caters to a variety of property usages, reflecting the evolving landscape of property ownership and rental markets. The firm provides insurance for unoccupied properties, properties under probate, and those used as holiday homes or holiday lets. Policies are also available for second homes, bed and breakfast establishments, guesthouses, and properties listed on platforms like Airbnb.

Furthermore, the company offers specific insurance products tailored for buy-to-let properties, supporting landlords in managing their rental portfolios. The firm extends its services to a wide array of customer situations and circumstances, acknowledging that individuals may face challenges in securing insurance. Home Protect provides options for homeowners, landlords, live-in landlords, tenants, and flatmates. The company also addresses specific customer circumstances that might typically lead to insurance refusal, such as individuals who have previously been refused insurance, those with a history of previous claims, or applicants with convictions or financial problems.

This approach allows the firm to serve a broader segment of the market. In addition to property and circumstance-based offerings, Home Protect considers various customer occupations when underwriting policies. The company offers insurance solutions for individuals who operate a business from home, B&B owners, foster carers, and childminders. The firm also provides coverage for those in occupations identified as high-risk.

While Home Protect offers comprehensive landlord insurance options, including for buy-to-let properties, the provided information does not explicitly detail specific experience or dedicated offerings for Purpose-Built Student Accommodation (PBSA). The company's focus remains broadly on specialist home and landlord insurance, covering a wide array of residential property scenarios.