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Policy Details - Home insurance

Standard home insurance just might not be enough; we understand that professionals with business equipment that may also work from home often need extra cover within their home insurance policy. That’s why at Towergate Professional Risks with a have worked with leading insurers to provide an insurance policy with enhanced covers for professionals.

Make sure that you have the right cover to protect not just your home but your business equipment; we want to take as good care of you as you do of your clients.

Key features

• Buildings and/or contents insurance
• Cover to include your business equipment and seeing clients at home
• Business Equipment up to £10,000
• Home Emergency repair assistance cover
• Up to £2,500 worth of cover for Credit cards and £750 for cash
• 24 hour emergency claims assistance
• £50,000 family legal costs cover 
• Accidental damage for buildings and contents
• Identity theft protection cover
• Up to £1,000 worth of cover in the garden
• Valuables cover both in and away from home

Policy excess

• From £50 excess

The main exclusions

• Loss or damage while unoccupied for over 60 consecutive days
• War and nuclear risks
• Pressure waves (e.g. aircraft)
• Terrorism - unless the terrorism section of this policy is active

For more information on any of our insurance policies, including all exclusions, please see the documents section.