Overview
Hiscox offers a high end home insurance with unlimited home cover. This means you can claim for the full of your building and content.
They are not the cheapest available but if you need bespoke home insurance cover, then Hiscox can provide this for you.
For example if you have expensive jewellery or works of Art, that needs more than what a basic home insurance covers, then you can tell them how much cover you require.
You can get a home insurance cover from Hiscox, here: Hiscox quote.
their ‘Unlimited Cover’
In addition to jewellery collection and Art, Hiscox will also cover all your personal and previous items.
And, you only need to inform them of items in your home that is valued over £15 000. Any items below that figure 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
As well as covering your buildings and fixtures, if your property becomes uninhabitable, Hiscox will pay for accommodation for you, your family and pets for up to 3 years or to the value of £150 000.
It also includes garden cover for up to £25 000.
Content insurance
Hiscox provides unlimited cover for contents, unless otherwise stated. Here is a list of some of items which are covered:
* Electronic goods, such as computer and phone
* Home furniture
* Pictures and paintings
* 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.
They also provide optional cover for home emergencies such as boiler problems or burst pipes. They will get a qualified and approve3d contractor to you 24 hours a day.
What is not covered
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
- Damage caused by tear and wear or anything which happens gradually
- Any damage caused by any cleaning, restoration or renovation 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.
If you want high end and bespoke home insurance, then Hiscox is a good option. They are not the cheapest, but you get unlimited cover.
You can also get a quote for expensive Art collection, collectables and jewellery.
Get a quote from Hiscox, here: Hiscox quote.
Additional information
Find out more about insurance regulations, here: Financial Conduct Authority (FCA).