Home insurance cover: buildings and contents insurance | HSBC UK

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What types of home insurance cover are available?

  • Buildings only Our standard cover protects your home and includes limited accidental damage to cables, fixed glass and bathroom fixtures.
  • Contents only Our standard cover protects your belongings and includes limited accidental damage to TVs, home computers (excluding laptops) and mirrors.
  • Buildings and contents Get peace of mind by combining all the benefits of buildings cover with all the benefits of contents cover.

Unlimited buildings sum insured

We'll cover whatever it costs to repair your home after loss or damage, subject to policy terms and conditions. Causes include: fire, explosions, storms, vandalism, vehicles, water escaping from pipes, theft and falling trees. See our policy documents for more details.


Up to £50,000 contents cover

Our standard cover provides up to £50,000 cover for loss or damage to your belongings, or up to £80,000 on request. Causes include: fire, explosions, smoke, heating fuel leaks and falling aerials. We can also cover your contents while temporarily removed from the home, including up to £5,000 for a member of your household who is away working or studying. See our policy documents for more details.

If you need a home insurance policy that offers a higher level of cover, please call Aviva Insurance Limited on 0800 068 1577 as HSBC Home Insurance is provided by Aviva Insurance Limited.


New for old

When replacing an item you claim for, we will do so on a like for like basis or replace with the nearest equivalent available in the current market. Please note, to reflect wear and tear, we will reduce the amount we pay for clothes or household linen
(e.g. bedding).

What's covered

Standard policy features Buildings Contents Policy limits
Valuables   Min £6,000 (terms and conditions apply)
Max £20,000 (terms and conditions apply)
Personal money   £500
Contents in garage/outbuildings   £2,000 for theft or attempted theft. All other claims covered to the limit shown in your schedule.
Contents in the garden   £500
Freezer contents   £400
Visitor belongings   £1,000
Replacement locks   £500
Fuel and metered water   £1,000
Contents cover for someone working or studying away from home   £5,000
Loss or rent/alternative accommodation Buildings: £80,000
Contents: £7,500
Tracing leaks   £5,000


Optional extras
Home Emergency Cover HSBC home emergency cover provides you with expert help with emergencies at your property.

What are the benefits?

• Up to £1000 for labour, parts and materials per incident
• Hotel accommodation costs up to £1000 if your home is uninhabitable. This is in addition to the labour, parts and materials claims limit of £1,000
• No excess to pay
• £500 boiler contribution for boilers declared beyond economical repair

What's covered?

• Loss of essential services i.e. boiler breakdowns
• Roof damage following a storm
• Plumbing emergencies
• Electrical emergency and breakdown
• Lost keys or damage to locks, doors and windows
• Pest infestation of rats, mice, wasps or hornets

Home emergency cover isn't a service and maintenance product and doesn't cover repairs which are due to wear and tear ( e.g. dripping taps).

It doesn't cover breakdown of electric showers or domestic appliances like washing machines and doesn't cover emergencies you were already aware of when you bought cover.
Legal expenses Legal service cover provides you with a lawyer, if you need one, and up to £50,000 of legal costs to pursue or defend a wide range of disputes including:
• Personal injury
• Employment
• Property
• Medical negligence
• Consumer issues
Extra Accidental Damage - Buildings Extra cover includes:
• putting your foot through the ceiling
• hammering a nail through a pipe
• damaging wood or tiled flooring
Extra Accidental Damage - Contents Extra cover includes:
• ornaments
• spectacles
• spilt drinks
Personal belongings Protect your personal belongings, wherever you are in the world
Pedal cycles Up to £2,500 towards loss or damage
Clerical business equipment Up to £5,000 if you work from home

What’s not covered?

Please see your policy booklet for full details of exclusions.

What you should know before you apply

Download the HSBC Home Insurance full policy booklet

Download PDF

Download the HSBC 25% discount Home Insurance terms and conditions

Download PDF

See other things you should know before you apply.

To read our PDF files you'll need to have Acrobat Reader 8.0™ or above. We think most of you will have this but if you don't, it's free and can be downloaded from Adobe UK. If you are accessing this website using screen reading technology that cannot read PDFs, a converter is available at Access Adobe.

If you have contents over £80,000 or a buildings rebuild cost
of over £500,000 please call 0800 068 1577 for a quotation.
HSBC Home Insurance is provided by Aviva Insurance Limited.

Need to speak to us?

Give our friendly team a call on:

0800 277 377

Lines are open 8am to 9pm Monday to Friday and 9am to 5pm Saturday and Sunday (excluding Christmas Day, Boxing Day and New Year's Day).

To help us continually improve our service, and in the interests of security, we may monitor and/or record your calls with us.

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