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Buildings insurance

We'll cover whatever it costs to repair your home after loss or damage (exclusions apply).

Insure your home against serious loss or damage

Our buildings insurance cover could give you the confidence that your home is covered. Get a quote today and apply for a buildings insurance policy, provided by Aviva. 

Retrieve a quote, or continue with one you were given in the last 90 days.

Why get buildings insurance with us?

Pay monthly

Pay in regular instalments with no additional charges if you'd like to pay monthly.

24/7 support

Your UK-based team are available around the clock, whenever you need to make a buildings or contents insurance claim.

Flexible policy

There’s no cost for changing your cover whenever you need to, but your premium may increase if you add extras.

Refund switching costs

Get a new policy with us before your current policy ends and we’ll refund any cancellation fees. T&Cs apply. Get a refund.

What does our buildings insurance cover?

  • Costs to repair your home after loss or damage
    We'll cover whatever it costs to repair your home after loss or damage. This could be from a fire, explosion, storm, vandalism, vehicles, water escaping from pipes, theft or falling trees.
  • Unlimited buildings cover
    We'll cover the full cost of rebuilding your home up to the same specification as the original building, with no upper limit. Or, you can choose a specific amount when you get a quote, which will be the maximum we'll pay out.
  • Water damage
    If you've got water damage from a leaking pipe, we'll find the source of the leak and fix any damage caused.
  • Somewhere for you and your pets to stay
    If damage has meant you can't live in your home, we'll find you and your domestic pets somewhere to stay.

All subject to your policy terms and conditions.

What's not covered by our buildings insurance?

  • Any excess on your policy schedule
  • Damage from any cause of wet or dry rot
  • Building wear and tear
  • Loss or damage that happens gradually
  • Damage that happens after the home has been left unoccupied for longer than the period shown in your policy
  • Loss or damage caused by domestic animals

Other exclusions apply – please read the General Exclusions section of the policy booklet (PDF, 65KB).


Optional extras

Choose from a variety of extra cover to make sure your policy protects everything you need it to.

High-quality home insurance

Defaqto 2024 Home insurance award

5 Star rated by Defaqto

HSBC Home Insurance is rated 5 Star by Defaqto, the independent financial information business. This means our policy is one of the most comprehensive in the market.

Get a buildings insurance quote

Who can apply?

You can apply if:

  • you're over the age of 16
  • your property is in the UK (excluding Channel Islands and Isle of Man)

Get a quote online

Retrieve a quote

Retrieve a quote, or continue with one you were given in the last 90 days.

Get a quote by phone

Call us on 0800 744 844

Lines are open 08:00 to 20:00 Monday to Friday and 08:00 to 18:00 on Saturdays and 10:00 to 16:00 on Sundays. On public holidays, opening hours may vary.

Frequently asked questions

You might also be interested in


Find out how you can manage your policy, and how we can help if you need to make a claim.


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See what's covered by different policies and work out what you may need.


Find out what's covered, from an emergency call-out for a wasp nest to a broken boiler.

It's easy to answer your query online. Visit our Help page to find out how.