Home insurance

We offer cover for accidental damage and loss as optional add-ons to your home insurance policy. Whether it’s a pet ruining your carpet or leaving your lap top on the train, this cover can protect you from the expensive mishaps that happen to us all at some point.

By adding optional home emergency cover to your policy, you'll get swift assistance from our approved contractors for things like blocked drains, failed heating systems, interrupted gas or electricity supply and lost house keys.

When added to your home insurance policy, legal expenses cover can protect you against the cost of legal action in situations ranging from injuries to employment disputes.

When you buy a Hiscox Home Insurance policy, we offer a discount if you've made no claims during the previous full year that you've held a policy. If you've made no claims during the last five years, we'll apply a no claims discount of 25% to your premium.

Unlike many insurers we can provide specialist listed building insurance.

We can provide insurance for your second home if your main home is insured with us, giving you just one document to file and one premium to pay. 

If you insure your main home with us we can also cover your holiday home with the same contents and buildings cover, and to make things even easier, both properties will be on the same policy.

If you plan to carry out building works on your home our market-leading protection can give you complete confidence that your buildings, contents and materials will be fully covered if anything goes wrong.