Home Contents Insurance

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Home Contents Insurance

At HSBC, we understand that it takes more than a house to make a home. That’s why we offer great value home contents insurance, so you can protect the belongings that mean the most to you, no matter how big or small.

With our home contents insurance policy, you can enjoy protection against minor and extensive damage to virtually any of the contents inside your home.

Features

Protects the contents in your home, garage and other buildings on your property from damage
Offers coverage for damages caused by perils such as fire, windstorm, lightning, storms, floods, theft and vandalism
Includes an additional option to your Home Contents Insurance policy which protects items frequently removed from homes, i.e. jewelry, watches, cameras or laptops. These items can be covered while in Bermuda or travelling overseas. This coverage cannot be purchased as a separate policy and can be purchased at any time. Proof of value is required for items over $1,000

How to apply

Apply online

Complete our simple form to request a free, no-obligation insurance quote.

Request a quote online

Apply by phone

Call us on +1 441 299 5959 to enquire about HSBC Insurance.

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Apply in branch

Visit us in branch to speak to one of our insurance experts.

Find a branch

How to make a claim

You can visit www.bfm.bm to request a Claims Form. All claims must be submitted directly to BF&M General Insurance Company Limited: Monday – Friday, 8am to 5pm.

You can contact BF&M Customer Service on +1 441 295 5566, or use the After Hours 24/7 Claims Helpline on +1 441 298 0247.

FAQs

This coverage is for customers who own free standing residential properties, condominium owners and tenants.

No, you cannot purchase Home Contents Insurance for the most expensive items in your home. It is necessary to purchase adequate insurance that will cover the replacement value of all of the items in your home to avoid being under insured at the time of the claim.

The terms of this policy will provide ‘new for old replacement’. This means payments will be made to you but only for the equivalent cost of the same like, kind and quality of the object lost or destroyed. If you purchase a more expensive item, you will be required to pay the difference in cost.

A police report should be submitted with the insurance claim and proof of purchase whenever possible.

Replacing or adding to your home contents may impact your current total contents sum insured, so that you are adequately insured please contact BF&M to amend your sum insured accordingly.

Additional information

Home Contents Insurance fact sheet (PDF, 242 KB) Download

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Disclosures

Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority.

Issued by HSBC Bank Bermuda Limited of 37 Front Street Hamilton Bermuda, which is acting solely as an insurance agent of BF&M pursuant to its insurance agent’s license issued by the Bermuda Monetary Authority and accepts no responsibility for the underwriting, administering and claims handling of insurance products. HSBC Insurance is the brand name for insurance products offered by HSBC Group members. Terms and conditions apply.

Home Contents Insurance