Foster Carers' Home Insurance


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Household insurance for foster carers and children in their care

Foster carers home insurance is a highly specialised type of household insurance - and QuoteRack gives you access to quotes for household insurance for foster carers from UK insurance brokers who specialise in providing buildings and contents cover for families looking after foster children in their care.

Is fostering classed as a business for home insurance?

Some insurance companies will consider a foster carer as running a small business, whereas others will not. It is therefore important to speak to an insurance broker that specialises in foster care home insurance, to ensure you are covered for the appropriate risks associated with a small home-based business.

Are foster children considered to be part of the family for insurance purposes?

In most cases, insurance companies that offer cover for foster parents home insurance will consider all fostered children to be part of the family unit.

"We foster children for mainly short periods and needed to make sure that our home insurance covered us for any children in our care, without having to notify the insurance company when the children arrived or left our care"

Are my foster children's possessions covered under a home insurance policy?

You should check that your existing home insurer provides cover for the possessions of any foster children placed in your care. Most specialist insurers that offer a policy specifically aimed at foster parents will cover your children's possessions.

Do we need to tell the insurers when we have new foster placements?

Most home insurance policies for foster families will specify a maximum number of children that are permitted under the policy. If you exceed this number then you should let your insurer know.

Is damage caused intentionally by a foster child covered under a home insurance policy?

The home insurance policy covers you not only for your household contents (and buildings too, if required) but also insures you against any damage caused by the foster children while in your care, as well as their own belongings and your own legal liability while they are in your placement. Complete your details online for a no-obligation quote for foster care home insurance.

Foster carers - online resources

Foster Care Associates

Support and advice for those considering becoming foster carers from the largest UK independent fostering agency


"As foster carers, often looking after teenage children, we needed to make sure that there was cover in place for any accidental damage caused within the home"

"We'd considered most aspects of becoming foster parents but making sure we'd got appropriate foster carers household insurance in place was not such an easy thing to find"

Foster Carers Home Insurance