Hiscox Holiday Homes insurance

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Hiscox Holiday Homes insurance

As the leading British insurer in Europe for fine art (insuring more than 30% of British largest fortunes) and specialised in high value and overseas holiday homes, Hiscox built it’s reputation based on excellent claims service, providing a wide cover at a competitive price.


The Hiscox Holiday Homes policy offers:

  • Wordings in plain English with warranties-free cover;
  • Reputation of fast and fair claims service (over 90% of our home insurance clients in the UK were satisfied with the way we settled their claim).

…and several advantages versus a standard policy, including the following:


  • No average clause in case of underinsurance;
  • No limit per fine art item (except on gold and silver) versus the € 2.500 to € 5.000 market standard;
  • No application of the market restrictions on theft: it’s still covered without forced entry or exit, if committed by your employees or if the home is unoccupied over 60 days;
  • Automatic cover for all outbuildings and up to € 2.250 for outdoor items;
  • Excess on earthquake damage: 2.5% instead of the standard 5%;
  • New for old cover, we don’t make any reductions for wear and tear;
  • Liability covered up to € 7,5 million anywhere in the world (against market standard under € 250.000).



Our Awards

In the UK, 99.54% of Hiscox Home Insurance customers who have made a claim would recommend us. Overall, we were awarded the ‘Gold Trusted Merchant’ status for achieving a 95% service rating by Feefo. More information here.



Our approach to home insurance claims



You can find additional information about our Holiday Homes insurance in Portugal here, under Arte & Clientes Private.



Quote and buy today

Call us on (+351) 215 918 370 to speak to one of our insurance experts or send an email to geral@innovarisk.pt.

If you live outside your country, take a look at our Overseas Home insurance.


About Hiscox

Hiscox is an international specialist insurance group listed on the London Stock Exchange (LSE:HSX). There are three main underwriting parts of the Group – Hiscox London Market, Hiscox UK and Europe and Hiscox International. Hiscox London Market underwrites mainly internationally traded business in the London Market – generally large or complex business which needs to be shared with other insurers or needs the international licences of Lloyd’s. Hiscox UK and Hiscox Europe offer a range of specialist insurance for professionals and business customers, as well as high net worth individuals. Hiscox International includes operations in Bermuda, Guernsey and USA.
In Portugal Hiscox is represented by Innovarisk, underwriting a diverse range of personal and commercial insurance risks such as home insurance cover for homes and their contents, valuables and collections as well as extensive business insurance, finely tailored to the needs of companies, professionals and consultants.


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