Summary of Cover

Summary of the cover provided under a Home Policy.

Cover can be arranged for contents only, buildings only or combined contents and buildings.

Building Cover

What is covered under Buildings insurance?

The structure of the property including its walls, fences, drives and patios
Outbuildings within the boundaries of the home
All permanent fixtures and fittings
Fixed glass and windows in the home and fixed sanitary ware (accidental damage is provided as standard)
Cover is up to the selected sum insured (which is the cost to rebuild the property) this can range from £30,000 to £750,000.

What events are insured?

Fire, Smoke, Lightning, explosion, thunderbolt or earthquake
Storm or flood
Escape of water or oil from any fixed water or heating installation or domestic appliance
Riot, civil commotion, strikes, labour or political disturbances
Theft, attempted theft, vandalism or malicious acts
Subsidence, ground heave or landslip of the site in which the property sits
Damage caused by falling trees
Optional accidental damage extension (an additional premium will apply). For example, someone putting their foot through the ceiling whilst in the loft or a DIY disaster.

What Extra cover is provided as standard?

Cover during the sale of the property
Property Owners Liability cover up to £2,000,000
Alternative accommodation up to the lower of £10,000 or 20% building sum insured if the home cannot be lived in following an insured event
Cover during sale

Contents Cover

What is covered under Contents insurance?

Household goods including non permanent fixtures and fittings such as carpets
High risk items such as TV's, video, DVD's, computers and jewellery
Personal belongings
Up to £3,000 of office equipment and furniture for a business run from the home
Cover is up to the selected sum insured which can range from £15,000 to £99,000. Within this sum insured the limit for high risk items will be 20% of the contents sum insured

What events are insured?

Fire, Smoke, Lightning, explosion, thunderbolt or earthquake
Storm or flood
Escape of water or oil from any fixed water or heating installation or domestic appliance
Riot, civil commotion, strikes, labour or political disturbances
Theft, attempted theft, vandalism or malicious acts (limited to £2,000 cover for theft from outbuildings)
Subsidence, ground heave or landslip of the site in which your property sits
Damage caused by falling trees, aerials or satellite receiving equipment
Optional accidental damage extension (an additional premium will apply).

What Extra cover is provided as standard?

Freezer Contents up to a maximum of £500
Alternative accommodation up to the lower of £10,000 or 20% contents sum insured
Cash up to £350 and use of Credit Cards up to £500 where stolen from the home
Guest's property up to £250
Cover for Personal Documents and Title Deeds up to £500
Legal responsibility as a tenant up to 15% of the sum insured
Public Liability cover up to £2,000,000
Increase in contents cover by 10% during the Christmas period and before and after Weddings
Loss of oil or metered water up to 10% of the contents sum insured
£500 of cover for contents in the open
Limited cover up to 20% of the sum insured for contents away from the property
Replacement locks and keys cover of £250
Accidental breakage to home entertainment equipment and mirrors and glass

Personal Possessions

In addition to Contents cover (which in the main insures the contents whilst in the home) cover can be extended for an additional premium to add personal possessions cover.

This is designed to cover clothing and personal articles designed to be carried on or around your person, both in and away from the home, for example camcorders, sports equipment or luggage on holiday.

Pedal Cycles

If required, you can pay an additional premium to add pedal cycle cover to the standard policy.

Additional Products

Family Legal Protection

For an additional premium, you can include Family Legal Protection which will provide cover up to £50,000 to pursue legal claims for incidents such as employment disputes and personal injury claims.

Cover is subject to terms & conditions