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Contents insurance

Get cover for the loss of, or damage to, the contents in your home

Get cover for your belongings

If you’re looking to insure your belongings, our contents insurance cover will give you the confidence that your possessions are covered.

Get a quote and apply for a home insurance policy online.

Retrieve a previous quote you got online, or a pre-populated one you were given in the last 90 days.

What you'll get

Complete protection

Up to £50,000 for loss or damage to your belongings, and cover for your contents while temporarily removed from the home.

5 Star cover

HSBC Home Insurance is 5 Star rated by Defaqto, the independent financial information business.

24/7 support

Your UK-based home insurance claims team are available 24 hours a day, 7 days a week, 365 days a year, whenever you need to make a claim.

Why get home insurance with us?

  • Pay monthly

    Pay your premiums in regular instalments, with no additional charges if you'd rather pay monthly.

  • We'll refund your switching costs

    If you take out an HSBC Home Insurance policy before your current policy ends, we’ll refund any cancellation fees you have to pay. T&Cs apply (PDF,68KB).

  • Flexible cover

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

  • Sustainable cover

    See how our insurance provider Aviva is making HSBC Home Insurance more sustainable.

What does contents insurance include?

  • We'll provide cover up to £50,000 for loss or damage to your belongings (or up to £80,000 on request) for loss of, or damage to, the contents in your home. Causes include: fire, explosions, smoke, heating fuel leaks and falling aerials.
  • We'll replace any contents item you claim for on a like-for-like basis, or replace it with its nearest available equivalent.
  • Cover for 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.

What's not covered by contents insurance?

  • Any excesses shown on your policy schedule.
  • Contents wear and tear.
  • For new for old contents cover, we'll reduce the amount we pay for clothes or household linen (eg bedding) to reflect wear and tear.
  • Damage that happens after the home has been left unoccupied for longer than the period shown on your schedule.
  • Loss or damage caused by domestic animals.
  • Motorised vehicles, aircraft, boats, boards and other craft, and any parts, spares and accessories of these.

Other exclusions apply – please read the General Exclusions section of the policy booklet (PDF, 856KB).

Understand more about contents insurance

 

See what's covered and how to work out what you may need - whether you're renting or own your home.

 

From paying annually to increasing your excess, here are some things you can do to reduce the cost of your policy.

 

Discover key questions to ask yourself to help you choose a policy that’s right for you.

Optional extras

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

Accidental Damage Cover

This covers you for sudden and unexpected damage such as spilling wine on the sofa or knocking over your TV or home entertainment equipment.

Personal Belongings Cover

Protect your personal belongings, wherever you are in the world, with cover between £2,000 and £10,000, and a single item limit of £1,500.

Pedal Cycles Cover

Protect your pedal cycles with worldwide cover of up to £2,500 towards theft or damage.

Clerical Business Equipment Cover

You can select up to £5,000 of Clerical Business Equipment Cover if you work from home.

Why choose HSBC Home Insurance?

We're rated 5-star by Defaqto

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

You can compare HSBC Home Insurance with policies from other providers using Defaqto’s insurance comparison tool.

We're rated 5-star by Moneyfacts

HSBC Home Insurance has been awarded a 5-star rating by Moneyfacts. In its annual review of all the home insurance products available in the UK, Moneyfacts has awarded us a top rating for our range of features and benefits.

We've won 3 Consumer Intelligence awards

The annual Consumer Intelligence awards are based on real customer feedback. And we're proud to say in 2022 HSBC Home Insurance has won in 3 categories: customer service, customer trust and recommendation by customers.

We'll refund your switching costs

If you take out a policy with us before your current policy ends, we'll refund any cancellation fees you have to pay. T&Cs apply (PDF, 66KB).

Get a contents 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)

Things to know

Retrieving quotes

Retrieve a previous quote you got online, or a pre-populated one you were given in the last 90 days.

Other ways to apply

Frequently Asked Questions

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