Why choose Hiscox?

Buildings cover is provided as part of a Hiscox Buildings and Contents Insurance policy. Within Hiscox Buildings and Contents Insurance we may provide unlimited cover for buildings, which could mean we’ll pay whatever it costs to replace what’s lost or damaged. For certain building insurance claims, such as tracing and repairing a leak, there's a maximum amount payable, but the cover we provide is still higher than most other home insurance policies. 

As part of a Hiscox Buildings and Contents Insurance policy you will benefit from:

  • Alternative accommodation if your home can't be lived in because of damage that we agree to pay out for. We'll pay to house your family and pets, up to £150,000 over 3 years.
  • Accidental damage covers you for accidental damage whether you’re at home or away. Accidental damage was the cause of 1 in 5 claims over the last 3 years
  • Garden cover up to £25,000 to fix garden damage. We’ll pay to remove fallen trees, fix any damage they cause and also pay up to £1,000 per any one plant, tree or shrub.
  • Exceptional claims service"At a very stressful time your staff were really lovely. Very helpful and knowledgeable. We chose Hiscox some years ago because you have a great reputation and following our dealings with you I can understand why. Thank you for all your help and your speedy response to our claim."  Hiscox Home Insurance customer, L. Cook.
Telephone enquiry number
Call on 0800 247 1902
Telephone enquiry hours
Mon - Fri, 9am - 5pm, excluding bank holidays. Calls are free from a landline

Introducing LeakBot

Free Leakbot (worth £149) for all buildings insurance customers

Damage caused by water leaks is one of the worst things to happen to your home. That’s why we are now offering all of our buildings insurance customers a free LeakBot and one engineer visit per year. LeakBot is a smart water leak detection device that alerts you to hidden water leaks early so that you can deal with them before they become a serious problem.

What does our buildings insurance cover?

We provide cover for sudden and unexpected events that damage the property itself, such as fire, subsidence, water damage or explosion. Our buildings insurance, as part of a Hiscox Buildings and Contents Insurance policy, provides cover for all your home including the roof and walls, any items that are fixed to its structure, and any outbuildings.

When applying for a Hiscox Buildings and Contents Insurance quote, it's important to note that while there is a maximum payout limit on some claims, Hiscox cover is higher than many alternative home insurance policies.

Things that might not be covered by your policy include damage caused by wear and tear, rust, rot, fungus or mould, normal settlement, and other things that happen gradually. Find out more in our cover details.

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Optional cover you can add to your policy

No one knows your home better than you, or has a better understanding of the risks you'll encounter in the years ahead. That's why we enable you to tailor your property cover closely to your needs. Choose to add any of the below additional covers and get a personalised quote, and comprehensive property protection .

  • Home emergency cover gives you up to £1,000 of cover per claim for emergency repairs at your home, all arranged by us and carried out by one of our approved contractors.
  • Renovations and extensions cover provides comprehensive protection for your home if it’s undergoing building works over £75,000. Hiscox Home Insurance automatically includes cover for building works up to £75,000.
  • Legal expenses cover protects you and your family with up to £100,000 to cover the cost of negotiating and pursuing your rights against a wide variety of legal problems.

If you suffer loss or damage to the building of your home, simply call our award-winning claims team. If we can't settle your claim immediately, we'll assign a dedicated Claims Underwriter to your case who’ll handle your claim from start to finish.

Concerned that this might not be quite the right policy for your property? Hiscox offer a range of specialised building insurance prodcuts, including listed building insurance and renovation insurance for bulidings undergoing work.

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How much is our buildings insurance?

The cost of our buildings insurance, as part of a Hiscox Buildings and Contents Insurance policy, can vary depending on many factors. For example, where you live, the age of your property, the number of bedrooms and bathrooms you have, your property’s construction, and your previous claims history. We’ll look at these factors to provide a personalised building insurance quote for you.

To find out more about Hiscox Home Insurance, read our policy documents:

Get a home insurance quote

  • Accidental damage for buildings and contents included as standard
  • Dedicated claims handler assigned to all home insurance claims as standard
  • Award-winning claims service

Speak to our UK-based experts. Call us on 0800 247 1902

Mon - Fri, 9:00am to 5:00pm

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If you already have a policy with us and need to get in touch, our home insurance specialists are here to help.

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Our UK-based claims handlers are here to act swiftly and in your best interests. Find out more about our superior claims service.

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