Home Insurance

Yes. The Hoxton insurance policy is all risks, worldwide and warranty free.

Minimum age is 25, maximum age is 79.

We can offer Extended Replacement Cost following a desktop valuation. We cannot offer this for Grade I, Grade II* or Grade A listed properties.

We are happy with listed properties and can insure all listings.

We will not insure non- standard properties such as thatch, previously underpinned homes, complex constructions or certain types of flat roof properties, specifically sedum or other types of green roof.

We require the following:

• 5 lever mortice deadlocks (or equivalent) on all final exit doors and window locks on all accessible windows.
• Maintained bells only alarm required if combined general contents, fine art and valuables is £225,000 or more.
• Maintained central station alarm required if combined general contents, fine art and valuables is £350,000 or more.
• Appropriate safe required if jewellery is £125,000 or more £150,000 if a central station alarm is installed). The minimum cash rating of the safe must be equal to or more than the jewellery sum insured divided by ten.

Hoxton may ask for a survey if we or you consider the sum insured to be inadequate. We will fund this if the premium is over £3,000 (including IPT).

If the property is Grade I, Grade II* or Grade A listed we require a full rebuild survey, funded by the customer.

We have a very limited appetite for commercial activity around the home. We do not offer terms for any property where commercial activity is ongoing within the main home, any industrial, manufacturing or farming activity, commercial letting or Airbnb. We can consider low hazard commercial activity which is not carried on in the home (e.g. an art class in an outbuilding) provided the relevant commercial insurances are in place.

Yes, provided they are resident in the UK and have an insurable interest in the insured property.

We won’t quote risks that have had previous flood or subsidence claims, water damage claim(s) within the last year, or any plumbing related EoW claim =>£5,000 within the past 5 years.

Our minimum sum insured is £50,000 general contents. We do not have a maximum SI.

Absolutely – the main home is the entry point to the portfolio, although we cannot insure the buildings without the general contents of the main home.

Yes. Guns should be insured under the valuables section and specified. We won’t insure clients’ guns unless they are fully licensed, and the client has a suitable gun safe installed.

£1,250 including IPT per policy.

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