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Complete policy details

See how we protect your home and valuables

Insure your home and everything inside it

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.

Benefits of insuring your home and contents with HSBC

  • Peace of mind knowing we will pay 95% of all claims (source of data: HSBC Customer Claims data)
  • Flexibility to select from our wide range of optional covers so you can tailor your policy to suit your needs
  • We won't charge you extra for spreading the cost monthly
  • UK-based Home Insurance claims team to see you through to the end
  • 24 hours a day, 7 days a week, 365 days a year – we’re here for you whenever you need to make a claim

Buildings only insurance

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. 

Key features

  • Unlimited buildings cover
  • Water damage from a leaking pipe? We will find the source of the leak and make good any damage caused
  • If damage has meant you can't live in your home, we will find you and your domestic pets somewhere to stay
  • All subject to the policy terms and conditions. See our policy booklets for full details.


Contents only insurance

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.

Key features

  • Up to £50,000 for loss or damage to your belongings (or up to £80,000 on request)
  • Accidental damage cover to your home entertainment equipment including TVs
  • 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
  • All subject to the policy terms and conditions. See our policy booklets for full details.

New for old

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).


What's covered

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.


What's covered in the Home Insurance product?
Standard policy feature Buildings Contents Policy limits
Valuables No Yes

- 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.

Personal money No Yes
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
Re-landscaping No
£2,500 (Single item limit of £250 applies)
Freezer contents No
Visitor belongings No
Replacement locks
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

Tracing leaks
No £5,000
Tenants liability No
Limited accidental damage
Yes Yes
Included as standard, up to the sums insured

Optional extras

Home Emergency Cover

HSBC Home Emergency cover provides you with expert help in the event of an emergency on your property.

What are the benefits?

  • Up to £1,000 for labour, parts and materials per incident
  • Hotel accommodation costs up to £1,000 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

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 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 and damaging wood or tiled flooring.

Extra Accidental Damage - Contents

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.

Personal belongings

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.

Pedal cycles

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.

Clerical business equipment

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.


Eligibility criteria

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.

How to apply for HSBC Home Insurance

If you meet the eligibility criteria above and are ready to get a quote or complete one, take the next step and contact us:

Retrieve a saved quote

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.

Apply online or retrieve a quote

Get a quote and apply for a Home Insurance policy online.


If you have contents over £80,000 or a buildings rebuild cost of over £500,000, read more here. HSBC Home Insurance is provided by Aviva Insurance Limited.

Please read this (PDF) statement that explains how we will use your personal information.

Frequently Asked Questions

More information about HSBC Home Insurance

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