Humanoid robot insurance is now available to UK customers through Adrian Flux’s home insurance offering, under a partnership with underwriter Tokio Marine HCC International announced on October 29, 2026.

Key Takeaways

  • The policy covers the robot as well as certain damage and liability risks in the home.
  • The companies expect domestic humanoid robots to begin appearing in UK homes from 2027.

Humanoid robot insurance coverage

The new household policy covers damage to or theft of the robot, sudden damage it causes to the home or belongings, and personal liability if it injures someone or damages property. The partnership announcement also says the cover provides emergency recovery or safe disablement following a sudden or unforeseen malfunction.

Tokio Marine HCC International underwrites the policy, which UK customers can obtain through broker Adrian Flux’s home insurance offering. The announcement did not specify premiums, coverage limits or exclusions.

A market ahead of household adoption

The launch comes before the companies expect domestic humanoid robots to reach UK homes. They anticipate that happening from 2027; that is an expectation, not a confirmed rollout date.

In the United States, early home humanoid models have been offered for preorder at around $20,000, the companies said. Adrian Flux general manager Gerry Bucke said the cover would be updated as the technology and its risks evolve.

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