Be confident you’re covered

To help make sure you're never underinsured, our home insurance provides unlimited cover. This means that whatever the value of your loss, you can be confident you’re covered. For some claims, such as tracing a leak, losing money while away from home or retrieving lost data, we apply certain limits which are detailed in your policy documents – however, the cover we provide is still higher than most other home insurance policies.

For other claims, there is no limit to the total value we'll pay for the cost of repairing or replacing damage or loss. This means that if there was a fire at your home or if you were burgled, there would be no cap on the total amount we could pay for a claim. We'd pay up to £15,000 for any individual item, pair or set that's not been listed – yet the total amount we'd pay is limitless. For jewellery, watches, art and collections, we simply ask you to tell us how much cover you need.

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What does unlimited cover mean for you?

Here's how a Hiscox Home Insurance policy can help you make sure you've always got enough cover:

  • You don't need to list any items under £15,000
    You only need to tell us about individual items, pairs or sets worth £15,000 or more so you don’t have to spend time listing everything you own
  • You get tailored cover for jewellery, art and collections
    Peace of mind for your most treasured possessions – simply tell us how much cover you need
  • Your home stays protected as it increases in value
    Your buildings cover is unlimited, which means we'll pay your actual rebuild cost regardless of whether your home has increased in value since you bought your policy
  • You don't need to tell us about new items
    We only need to know about new items worth £15,000 or more, and what the new overall value is for your jewellery or art and collections if you acquire a new piece
  • You only pay for the cover you need
    When you get a quote, we'll ask you a series of questions so we can tailor your quote to your circumstances and make sure you're not paying for unnecessary cover

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  • Award-winning claims service
  • Immediate coverage and documentation
  • No admin fees if you amend your policy
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Need more help? Speak to our UK-based experts. Call us on 0800 042 0321

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