HSBC Home Insurance is a flexible policy offering a range of covers. You can choose buildings only cover, contents only cover or get peace of mind by combining the two.
This page highlights the key components of the available covers, but for complete details, please be sure to read our policy booklet.
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.
We will provide cover for loss of or damage to the contents in your home. Causes include: fire, explosions, smoke, heating fuel leaks and falling aerials.
When replacing an item you claim for, we do so on a like-for-like basis or replace it with the nearest equivalent available on the market. Please note: To reflect wear and tear we will reduce the amount we pay for clothes or household linen (e.g. bedding).
Our Home Insurance product was launched on 21/03/2016 and contains the cover listed below. If you received a quotation or bought a policy prior to this date, your policy limits may vary. Please ensure you review your quotation/policy documents in full and check your schedule in particular, to ensure the cover meets your needs.
|Standard policy feature||Buildings||Contents||Policy limits|
- You can select a cover limit between £10,000 and £20,000 (terms and conditions apply). Your chosen policy limit will be shown in your policy schedule.
- Single item limit of £1,500 applies.
|Contents in garage/outbuildings||No||Yes
||£3,000 for theft or attempted theft. All other claims covered to the limit shown in your schedule.
|Contents in garden||No||Yes
||£2,500 (Single item limit of £250 applies)|
|Fuel and metered water||No
|Contents cover for someone working or studying away from home||No
|Loss of rent/Cost of alternative accomodation
Buildings: Up to £80,000
Contents: Up to £10,000
|Limited accidental damage
||Included as standard, up to the sums insured|
HSBC Home Emergency cover provides you with expert help in the event of an emergency on your property.
Please note that Home Emergency cover isn't a service & maintenance product, nor does it cover repairs due to wear and tear (e.g. dripping taps). It doesn't cover breakdown of electric showers, nor domestic appliances like washing machines, or emergencies you were already aware of when you bought the cover.
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:
Extra cover includes putting your foot through the ceiling, hammering a nail through a pipe and damaging wood or tiled flooring.
Extra cover includes most other incidents, e.g. spilled red wine on the sofa, coffee over your laptop, spilt paint, damage to spectacles, or dropped ornaments or other breakables, and is in addition to the limited contents cover provided under 'limited' above.
Protect your personal belongings, wherever you are in the world.
You can select between £2,000 and £10,000, with a single item limit of £1,500.
Your chosen limit will be shown in your policy schedule.
Protect your pedal cycles with worldwide cover. You can select up to £2,500 towards theft or damage. Your chosen limit will be shown in your policy schedule.
You can select up to £5,000 of cover if you work from home. This includes up to £500 of cover against loss, damage or theft of stock and samples used in connection with your employment when stored at your home. And up to £300 for money belonging to your business, and credit cards used for the purpose of your business. Your chosen limit will be shown in your policy schedule.
In order to make getting a quote as simple as possible, we base our quotations on a few assumptions. Please read through these below and confirm when required that the assumptions we have made are correct to the best of your knowledge and belief.
If you meet the eligibility criteria above and are ready to get a quote or complete one, take the next step and contact us:
If you wish to return to a previous quote you obtained online in the last 90 days, you can retrieve it here.
If we have contacted you regarding a pre-populated quote, you can retrieve it here using the IQU reference number in your email.
Get a quote and apply for a Home Insurance policy online.
Before applying, please take the time to read the following. You may also want to save these documents for future reference.