Ask about our multi-policy discounts. The more policies you have with HBF, the bigger the potential discount. HBF health members save 10% - have your member number ready. Check how our variable excess options can help reduce your premium. Carefully consider your sum insured. For example, building insurance only needs to cover the replacement of the actual building ‐ not the land it's built on. Choose a level of cover to suit your needs. For example, Fundamentals Home Insurance (a budget conscious option to cover the basics).