At least one type of cover must be selected in order to receive a quote.

Basic legal expenses cover

Included as standard and provides you and your family with access to 24/7 telephone legal advice, along with insurance cover for legal costs and expenses (upto £50,000 per event) should you experience one of the following legal problems:

• contract disputes over the insured property (buying or selling)
• contract disputes over goods (both buying or selling) and services (buying)
• damage to your property or possessions caused by a third party
• nuisance or trespass

More details can be found in our Insurance Product Information Document (IPID).

Full legal expenses cover

Our full legal expenses option provides all of the cover that the basic product has but, in addition, covers the following circumstances:

• personal injury
• tax protection
• identity theft

For bed and breakfast homes, cover extends to employment disputes and legal defence following an alleged criminal offence.

More details can be found in our Insurance Product Information Document (IPID).

Basic legal expenses cover

Included as standard and provides you and your family with access to 24/7 telephone legal advice, along with insurance cover for legal costs and expenses (up to £50,000 per event) should you experience one of the following legal problems:

• contract disputes over the insured property (buying or selling)
• contract disputes over goods (both buying or selling) and services (buying)
• damage to your property or possessions caused by a third party
• nuisance or trespass

More details can be found in our Insurance Product Information Document (IPID).

Full legal expenses cover

Our full legal expenses option provides all of the cover that the basic product has but, in addition, covers the following circumstances:

• increased claim limit of £100,000 per event
• employment disputes
• personal injury
• defence for criminal prosecutions as an employee

More details can be found in our Insurance Product Information Document (IPID).

Basic legal expenses cover

Included as standard and provides you and your family with access to 24/7 telephone legal advice, along with insurance cover for legal costs and expenses (up to £25,000 per event) should you experience one of the following legal problems:

• contract disputes over the insured property (buying or selling)
• contract disputes over goods (both buying or selling) and services (buying)
• damage to your property or possessions caused by a third party
• nuisance or trespass

More details can be found in our Insurance Product Information Document (IPID).

Full legal expenses cover

Our full legal expenses option provides all of the cover that the basic product has but, in addition, covers the following circumstances:

• increased claim limit of £50,000 per event
• employment disputes
• personal injury
• defence for criminal prosecutions as an employee

More details can be found in our Insurance Product Information Document (IPID).

Basic home emergency cover

Included as standard and provides 24/7 emergency assistance. We will arrange and pay (up to £500) for an approved contractor to: prevent damage or further damage to the insured property, make the insured property secure or relieve unreasonable discomfort, risk or difficulty. The following circumstances are covered:

• Roof damage (where internal damage - e.g. an ingress of water - has been caused or is likely)
• Plumbing and drainage (i.e. damage to or blockage, breakage or leaking of the drains or plumbing system (that you are responsible for)
• Power supply (failure of the domestic electricity or gas supply)
• Toilet unit (damage to or mechanical failure of a toilet bowl or cistern that results in complete loss of function of the only toilet - or all toilets - in the property)
• Home security (damage to, or failure of, external doors, windows or locks which leaves the property insecure)
• Vermin (the sudden infestation of vermin in the insured property which prevents the use of the lofts or one or more rooms)

More details can be found in our Insurance Product Information Document (IPID).

Full home emergency cover

Our full home emergency option provides all of the cover that the basic product has but, in addition, covers the following circumstances:

• Main heating system (i.e. failure to function of the boiler)
• Hotel accommodation (£250 to cover the cost of a room if the property is uninhabitable following an emergency)
• Lost keys (i.e. if you lose the only set of keys to the property and cannot gain access)

More details can be found in our Insurance Product Information Document (IPID).

Basic home emergency cover

Included as standard and provides 24/7 emergency assistance. We will arrange and pay (up to £500) for an approved contractor to: prevent damage or further damage to the insured property, make the insured property secure or relieve unreasonable discomfort, risk or difficulty. The following circumstances are covered:

• Roof damage (where internal damage - e.g. an ingress of water - has been caused or is likely)
• Plumbing and drainage (i.e. damage to or blockage, breakage or leaking of the drains or plumbing system (that you are responsible for)
• Power supply (failure of the domestic electricity or gas supply)
• Toilet unit (damage to or mechanical failure of a toilet bowl or cistern that results in complete loss of function of the only toilet - or all toilets - in the property)
• Home security (damage to, or failure of, external doors, windows or locks which leaves the property insecure)
• Vermin (the sudden infestation of vermin in the insured property which prevents the use of the lofts or one or more rooms)

More details can be found in our Insurance Product Information Document (IPID).

Full home emergency cover

Our full home emergency option provides all of the cover that the basic product has but, in addition, covers the following circumstances:

• Main heating system (i.e. failure to function of the boiler)
• Hotel accommodation (£100 to cover the cost of a room if the property is uninhabitable following an emergency)
• Lost keys (i.e. if you lose the only set of keys to the property and cannot gain access)

More details can be found in our Insurance Product Information Document (IPID).

Basic home emergency cover

Included as standard and provides 24/7 emergency assistance. We will arrange and pay (up to £500) for an approved contractor to: prevent damage or further damage to the insured property, make the insured property secure or relieve unreasonable discomfort, risk or difficulty. The following circumstances are covered:

• Plumbing and drainage (i.e. damage to or blockage, breakage or leaking of the drains or plumbing system (that you are responsible for)
• Power supply (failure of the domestic electricity or gas supply)
• Toilet unit (damage to or mechanical failure of a toilet bowl or cistern that results in complete loss of function of the only toilet - or all toilets - in the property)
• Home security (damage to, or failure of, external doors, windows or locks which leaves the property insecure)
• Vermin (the sudden infestation of vermin in the insured property which prevents the use of the lofts or one or more rooms)

More details can be found in our Insurance Product Information Document (IPID).

Full home emergency cover

Our full home emergency option provides all of the cover that the basic product has but, in addition, covers the following circumstances:

• Main heating system (i.e. failure to function of the boiler)
• Roof damage (where internal damage - e.g. an ingress of water - has been caused or is likely)
• Hotel accommodation (£300 to cover the cost of a room if the property is uninhabitable following an emergency)

More details can be found in our Insurance Product Information Document (IPID).

Covers you for up to £1,500 for locksmith's charges, new locks & keys, car hire and onward transport costs following the loss of your keys (any key is covered including home keys, office keys and car keys).

There is no excess payable and no limit to the number of claims you can make (with no impact on your No Claims Bonus on the rest of your Homeprotect policy).

There is also a 24 hour Emergency Helpline available 365 days a year.

However, if you have taken out contents cover and/or Home emergency cover with us, you will already have some cover for replacing locks – please check the policy document for details.

Covers you for up to £1,500 for locksmith's charges, new locks & keys, car hire and onward transport costs following the loss of your keys (any key attached to the fob is covered including home keys, office keys and car keys).

There is no excess payable and no limit to the number of claims you can make (with no impact on your No Claims Bonus on the rest of your Homeprotect policy).

There is also a 24 hour Emergency Helpline available 365 days a year.

However, if you have taken out contents cover and/or Home emergency cover with us, you will already have some cover for replacing locks – please check the policy document for details.

We consider contents to be possessions you could take with you when moving home. This could include household appliances, furniture, cutlery, crockery and cooking equipment, gadgets and household electronics, valuables, artworks, clothing, linen, bikes, and food in your freezer. We also consider household fittings such as shelving, curtain rails and carpets to be contents.

Things we don’t cover under our contents policy:

• Contents owned by your tenants (if you’re a landlord).
• Fixtures (e.g. items permanently attached to the interior or exterior of your home, such as kitchen or bathroom suites) - these would be covered under our buildings policy.
• Vehicles or craft (e.g. quad bikes, motor boats, drones, e-scooters).

You can find out more about how we define contents in our Policy Booklet.

How to calculate the replacement cost of your contents
When thinking about your contents, as a rough guide, imagine tipping your house upside down and giving it a shake. Anything that falls out would be contents. Although they might not fall out, we consider carpets and curtains as contents too. Try to identify what each item is worth. Then add up the cost of those items to get your estimate.

What should I include in the cost to replace my contents?
For the majority of your items, we only need to know the total cost of replacing them as new. We've listed some examples of the sorts of things to include below.

Separately, there are some items that you need to tell us about individually further down this page. Exclude the value of these items when estimating the total replacement value of your contents.

Bedrooms
Include beds, clothes, free standing wardrobes, toys.
Exclude fitted wardrobes.

Bathrooms
Include towels and linen, freestanding storage.
Exclude toilets, baths, showers, sinks, heated towel rails.

Kitchen
Include freestanding appliances, plates, cutlery, pots and pans, food.
Exclude kitchen units, fitted/built-in appliances.

Living room
Include tables and chairs, throws and cushions, freestanding lighting and lampshades.

Utility rooms
Include freestanding washing machines, tumble dryers.
Exclude fixed appliances and units.

Loft, basement and garage
Include tools, lawnmowers, children’s toys.
Exclude quad bikes, motorboats, drones, e-scooters.

Garden
Include free-standing barbecues, free-standing children’s toys, garden furniture.
Exclude fixed children’s play equipment, fixed barbecues, permanent outbuildings.

Watch out for underinsurance
To receive a full claim amount (subject to any claim limits), you’ll need to be insured for the full replacement value of all your contents when you make a claim. That's why it's important to be as accurate as possible when estimating the replacement value of your contents.

If you value your contents lower than their total actual value, you’ll be ‘underinsured’ and may not receive the full claim amount. Instead, we would settle your claim based on the percentage difference your insured value was to your full contents value.

For example: you estimate it would cost £50,000 to replace your contents and you come to make a claim of £5,000. If we find that the replacement value of your contents is actually £75,000 this would mean you're underinsured by £25,000 or 33%. We would settle your claim for £3,350 (33% less than the £5,000 claimed).

Your property
Your buildings insurance needs to cover the full cost of rebuilding your property, excluding outbuildings, should it be completely destroyed. This is not the same as the market value of the property

This is really important because if you’re insured for less than this amount, you’ll be ‘underinsured’. This means that in the event of a claim, you may not receive the full claim amount.

If you don't know your rebuild cost, you may be able to find it on a recent surveyors report, mortgage valuation report or insurance renewal document. The Association of British Insurers also offer a calculator which may help you decide how much to insure your property for.

Your outbuildings
This should cover the total cost to rebuild all buildings with a fixed foundation that are detached from the main building you're insuring e.g. detached garages, greenhouses, sheds and summerhouses. The outbuildings must be located within the property boundary or a communal area that you're legally responsible for.

What should i include?

For your main building, include the cost to completely rebuild the main building within the property boundary, including attached garages, conservatories and permanent structures (e.g. garden walls, driveways or fixed hot tubs) and excluding outbuildings.

For your outbuildings, include the cost of rebuilding all outbuildings within the property boundary or a communal area that you're legally responsible for.

In addition to the above, include the following in your cost to rebuild your property or outbuildings if they apply:

1) Fixtures that are permanently attached to the interior or exterior of the main building/outbuildings, such as:

• air and ground source heat pumps • alarm systems and surveillance equipment • electrical vehicle charging points • external lighting • fixed solar heating systems • fixed wind turbines • kitchen or bathroom suites • laminated, wooden effect or vinyl floor covering that can’t easily be removed and re-used • lighting systems • solar panels.

2) Fittings, or removable items that are attached to the interior or exterior of your home/outbuildings (e.g. shelving, curtain rails, carpets).

3) Underground services, such as cables, drain inspection covers and underground drains, pipes or tanks providing services that you're responsible for.

4) All related fees (e.g. architectural, surveying, engineering, legal), demolition and debris clearance costs and any upgrade costs to comply with government or local authority requirements.