One in five households could be underinsured according to The Association of British Insurers with many householders underestimating how much their home contents are worth. In the event of a fire, theft or other loss, having the right amount of contents insurance to cover you is critical.
Contents are the items that you would take with you if you moved house. These usually include carpets, curtains, garden furniture, bikes, fine arts, wines, collectables, clothing, personal property and electrical items.
Hiscox Home Insurance provides home contents insurance that protects your possessions both in the home and whilst temporarily away from your home and includes accidental loss or damage. With built-in protection for valuable items worth up to £15,000 each, our home contents insurance is available as a standalone policy, or can be combined with buildings cover to provide comprehensive buildings and contents insurance.
Why you should check your level of contents insurance
- Your home contents are probably worth more than you think – use our contents calculator to help you work out the true value
- Think about how much it would cost to replace the entire contents of your home in the event of a fire or a flood, not just for the loss or theft of a single object
- We increasingly carry around items of high value such as jewellery, mobile phones, laptops or iPods which are vulnerable to loss, theft or accidental damage.
How Hiscox Home Insurance cover protects your home contents
- Digital downloads including music, video and photographs are covered up to £2,500
- Valuable items such as engagement rings and other jewellery worth up to £15,000 each are covered as standard under a Hiscox Home Insurance policy (as long as the total amount insured for valuables covers them)
- Worldwide cover for theft, loss and damage of your possessions when you take them away temporarily from home
- We include, as standard, cover for your belongings if they are accidentally damaged or lost
- Efficient claims service with knowledgeable UK-based staff. No forms to fill and some claims can be approved within 24 hours.
With Hiscox Home Insurance there's also no need to list fine art and antiques. We cover them as standard as long as the total amount insured for contents covers them too.
To find out more about Hiscox Home Insurance and our house contents insurance, see our policy documents >
