Hiscox Home Insurance: what it covers – review

Overview

Hiscox provides high value home insurance and unlimited home cover. This means whatever your home and content is worth, they will cover it. There is no limit to the total value they will pay to cover your claim.

Hiscox is on the expensive side but it’s perfect if you needed bespoke cover to insure your house and content.

If you have expensive works of Art, jewellery or collectables you would like to insure, you can tell them how much cover you require.

If you are interested you can get a home insurance quote from Hiscox, here: Hiscox quote.

What do you get with their ‘Unlimited Cover’

As well as Art, jewellery and collectables, Hiscox also cover all your precious or personal items. You only have to inform them of items in your home which is over £15 000. If they are below that, you do not have to list it.

If you get new items in your home, unless it is over £15 000, you don’t have to tell them. You are covered. You are also covered as you house increases in value.

Building insurance – what is covered

If your home cannot be lived in after a damage that Hiscox agrees to pay for. They will also pay for accommodation for you, your family and any pets for up to 3 years to the value of £150 000.

Hiscox’s building insurance also include garden cover for up to £25 000.

Content insurance – what is covered

Hiscox provide you with unlimited cover for your content, unless otherwise stated. Here are a list of some of items which are covered:
* Home furniture
* Your electronic goods, such as your computer and phone
* Painting and pictures
* Your carpets and your curtains
* Bicycles

Optional, home emergencies cover

Hiscox provide optional cover for home emergencies, so you don’t have to worry if you have boiler problems or a burst pipe. They are there 24 hours a day and will get a qualified and approved contractor out to you for a home emergency if you need it.

What is not covered with Hiscox home insurance

Some of the things which are not covered include:

• If your home is left unoccupied for 60 days and something happens, you are not covered by the insurance
• Damage caused by tear and wear or anything which happens gradually
• Any damage caused by any cleaning, restoration or renovation you have carried out
• Damage caused by subsidence or landslides

Conclusion

If you are looking for high end bespoke home insurance cover, then Hiscox is good option. They are on the expensive side, but will give you unlimited cover.

You can also cover your precious Art collection, collectables and jewellery.

If you are looking for more than your average home insurance, Hiscox could be for you.

Additional information

If your home is going to be unoccupied for more than 60 days, read our article: Unoccupied House Insurance – Empty Property Insurance.

If you are looking for a home insurance, read our article: Home Insurance – Compare Cheap Quotes.

If you are interested, check out: Best Bank Accounts for Bad Credit.

If you are interested in a loan, check out: Loan.co.uk.

Find out more about insurance regulations, here: Financial Conduct Authority (FCA).