Buildings

Our Standard option automatically includes cover up to a limit of £800,000 rebuilding costs, provided the property insured is:

• A house or bungalow – not a flat or maisonette
• Built of brick, brick with timber frame after 1960, stone or concrete with a slate, tile, concrete, asphalt or metal roof
• Built after 1849
• Maximum five bedrooms

Our Select option applies to properties that do not meet the ‘Standard option’ criteria or the limit of £800,000 is not suitable. The ‘Select option’ allows for cover to be arranged for a specified rebuilding cost.

Home Emergency cover of up to £150 is also included as standard within HIC Buildings cover to cover call out fees as well as labour and material costs needed to make your client’s home safe and secure following an emergency such as a burst pipe.

Excess
Your client pays the first £100 of every claim (or £250 in the event of escape of water; or £1,000 for subsidence, heave or landslip).

For further cover details, please refer to the HIC Key Features.