Protect your home with Home Insurance from Hiscox

Hiscox have a long and proud history of home insurance expertise. We’ve been providing specialist insurance policies and advice for decades, in fact, Hiscox currently provide buildings and contents cover for over 60,000 homes across the UK.

Whether you’re seeking a separate contents-only policy or a comprehensive home insurance package, we can provide a highly tailored policy to suit your needs.

Why choose Hiscox Home Insurance?

Here are some of the key reasons why our buildings and contents insurance continues to be an award-winning service:

  • Unlimited Home Insurance cover
    Be confident in your home and contents insurance, whatever the circumstances
  • Accidental damage cover for buildings and contents is included as standard
  • 99% of customers surveyed who made a claim would recommend us
    (Insight Now, 249 surveys, Feb 2017 - Jul 2017)
  • Contents Insurance covers individual items or sets up to £15,000 as standard
    You don't need to list them or buy separate cover
  • Tailored high-value jewellery and watch cover
    As part of your home insurance policy, no need for separate cover
  • Dedicated claims handler
    Assigned to all house insurance claims as standard
  • 25% No Claims Discount
    You could save up to 25% when you switch to us
Telephone enquiry number
Call on 0800 8402 331
Telephone enquiry hours
Mon - Fri, 8am to 7pm, Sat, 9am to 2pm excluding bank holidays.

Save 12.5 % on buildings and contents insurance

Why choose Hiscox Buildings Insurance?

We provide unlimited cover for buildings which means we’ll pay whatever it costs to replace what’s lost or damaged. For certain claims, such as tracing and repairing a leak, there's a maximum amount we'd pay, but the cover we provide is still higher than most other home insurance policies.

You’ll also 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.
  • 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 99% of customers surveyed who made a claim would recommend us (Insight Now, 249 surveys, Feb 2017 - Jul 2017)

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 provides cover for all your home including the roof and walls, any items that are fixed to its structure, and any outbuildings. For certain claims, such as tracing and repairing a leak, there's a maximum amount we'd pay, but the cover we provide is still higher than most other 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. 

Optional cover you can add to your policy

  • 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
  • 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.
  • Optional no-claims discount protection allows you to make one claim per policy year without reducing the no-claims discount you've built up with us – this can go up to 25% for remaining claims-free for 5 years or more.

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.

How much is our buildings insurance?

The cost of our buildings insurance 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 quote for you.

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

Why choose Hiscox Contents Insurance?

We provide unlimited cover for contents so unless stated otherwise, the total amounts we'll pay out for loss of, and damage to, your belongings is unlimited. And you won’t need to list every item in your home, just let us know if you have any items, pairs or sets worth £15,000 or more, and the overall value of any jewellery, art and collections.

You’ll also benefit from:

  • Optional No Claims Discount protection that can be added to your policy, allowing you to make one claim each year without losing any of your no claims discount
  • Exceptional claims service. 99% of customers surveyed who made a claim would recommend us (Insight Now, 249 surveys, Feb 2017 - Jul 2017)

What does our contents insurance cover?

The contents you can insure are often described as the items that you’d take with you if you were moving house. This includes furniture, electrical appliances, smaller possessions, and fixtures like curtains and carpets.

We’ll cover your expenses to replace stolen items or damaged items in your home. We’ll also cover loss of essential items like laptops and desktop computers.

The types of items that are protected by our contents insurance include:

  • home furniture
  • electronic goods (computers, tablets, mobile phones etc.)
  • clothes, shoes and accessories
  • paintings, pictures and sculptures
  • carpets and curtains
  • bicycles

If you’re renting a property, it’s likely that you’ll want to protect the items listed while someone else insures the building you live in. We can provide insurance for your belongings if you’re renting a property (sometimes known as tenants’ contents insurance). Simply select a contents-only quote when you’re choosing the type of cover.

What does our contents insurance cover?

The contents you can insure are often described as the items that you’d take with you if you were moving house. This includes furniture, electrical appliances, smaller possessions, and fixtures like curtains and carpets.

We’ll cover your expenses to replace stolen items or damaged items in your home. We’ll also cover loss of essential items like laptops and desktop computers.

The types of items that are protected by our contents insurance include:

  • home furniture
  • electronic goods (computers, tablets, mobile phones etc.)
  • clothes, shoes and accessories
  • paintings, pictures and sculptures
  • carpets and curtains
  • bicycles

If you’re renting a property, it’s likely that you’ll want to protect the items listed while someone else insures the building you live in. We can provide insurance for your belongings if you’re renting a property (sometimes known as tenants’ contents insurance). Simply select a contents-only quote when you’re choosing the type of cover.

12.5% discount on home insurance

  • No need to list items or sets up to £15,000
  • Tailored cover for jewellery and watches
  • 60 day worldwide cover for your belongings

Find out more

Need more help? Speak to our UK-based experts. Call us on 0800 840 2331

Open: Mon - Fri, 8am to 7pm | Sat, 9am to 2pm | Excludes bank holidays

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