Hiscox Home Insurance

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Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

5 Star home insurance from just £99
10% of all customers buying home buildings and contents insurance with us from June 2017 to August 2017 paid £99 or less (Source: Aviva). The price you pay will depend upon individual circumstances, cover chosen and payment method selected.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline

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£500,000£60,000

5 Star Defaqto award-winning insurer.
Pay monthly at no extra cost (0% APR Representative). Low excess of just £45 (apart from escaping water and subsidence). No hidden admin fees. 'New for old' cover. Age UK Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.

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UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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VariesVaries

Get quotes from over 65 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with Gocompare.com (based on independent research by Consumer Intelligence during 1 October to 31 October 2016)

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

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Is Hiscox home insurance right for you?

Insurance can cover you against the unexpected, such as: theft, fire, flooding, accidental damage, and a number of other things. Home insurance is designed to protect your home against damage to the property itself or to the contents within it.

 

Home insurance falls in to three categories:

  • Buildings insurance
  • Contents insurance
  • Joint buildings and contents insurance

 

Buildings insurance

This will take care of the actual structure of the buildings and the permanent fixtures within the property. If you are a homeowner, you will normally need buildings insurance as a condition of your mortgage. If you are a renter, your landlord will normally take care of this for you.

 

Contents insurance

This covers your possessions including your electronics, carpets, curtains, jewellery etc. Contents insurance is highly advisable for both homeowners and renters.

 

Joint buildings and contents insurance

This will give you both buildings and contents cover and is strongly recommended for all homeowners. However, depending on your personal circumstances and requirements, it may sometimes make sense for homeowners to buy buildings insurance and contents insurance separately.

 

Hiscox Home Insurance Review

Hiscox home insurance is the leading UK insurer of higher value homes. Their customers can take advantage of:

  • Accidental loss and damage cover for buildings and contents
  • 24 hour home emergency cover for domestic emergencies with up to £500 for parts and labour and no excess to pay
  • Valuables worth up to £15,000 are covered without listing them individually
  • Worldwide cover for theft, loss and damage of your possessions when temporarily away from home
  • Tailored high value jewellery and watch cover
  • Cover for your your garden, including furniture, bikes and sheds

 

Hixcox buildings cover

  • Unlimited cover for buildings against sudden events that damage the property
  • Alternative accommodation if your home can't be lived in (housing for your family and pets, up to £150,000 over 3 years)
  • Garden cover up to £25,000 to fix garden damage (includes removal of fallen trees, fixing any damage they cause and plant replacement up £1,000 per plant)

 

Hiscox contents cover

  • Unlimited cover for content (only items worth in excess of £15,000 need to be individually listed)

 

Optional extra cover

These options are a great way to make your insurance policies fit your personal requirements.

 

Accidental Damage Cover

Protects you for accidental damage whether you’re at home or away.

 

Home Emergency Cover

Provides 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

 

What is an Excess?

Like most home insurers, Hiscox require you to pay an excess when making a claim. Generally, the lower your monthly premiums, the higher the excess will be or more restrictions that will be applied when it comes to claiming.

 

There are two kinds of excess: a compulsory excess and a voluntary excess. Compulsory means that your insurer will set the price and you must pay it, whereas a voluntary excess is set by you.

 

Remember to set your voluntary excess carefully. If you're willing to contribute a large amount when making a claim, your insurer will reward you with a lower premium, but this will make claiming on your policy more expensive.