Your Household
Your home is likely to be the biggest financial investment you ever made, so totally reliable insurance protection is a must.
Buldings Insurance House Insurance covers the buildings of your home on a NEW for OLD basis against loss or damage from many insured events such as: • Fire, smoke, explosion. • Storm and flood. • Theft and malicious damage. • Glass breakage. • Falling trees. • Lightning. • Escape of water or oil (including trace and access and pipe repairs)
• Impact. • Subsidence.
The buildings cover also extends to include: • Loss of rent and alternative accommodation if your household or tenants have to leave your home because it is uninhabitable following an insured event up to 20% of the building sum insured.
• Accidental damage to underground services pipes and cables.
• Cover during sale of your property for the new owner up to completion date.
• Breakage of fixed glass and sanitary ware. • Owners liability to the public covering up to £2,000,000 for injury to other people or damage to their property.
What is not covered • Storm or flood damage to gates, hedges and fences • Subsidence damage to outdoor swimming pools, tennis courts, patios, terraces, drives, footpaths, walls, gates, hedges and fences unless the buildings of your home are damaged at the same time • The first £50 of any claim, increased to £1,000 in respect of subsidence • Accidental damage to underground services pipes and cables • Cover during sale of your property for the new owner up to completion date • Breakage of fixed glass and sanitary ware • Owners liability to the public covering up to £2,000,000 for injury to other people or damage to their property.
Contents Insurance (Standard Cover)
Household Insurance covers the contents of your home on a NEW for OLD basis against loss or damage from many insured events such as:
• Fire, smoke, explosion. • Storm and flood. • Theft and malicious damage. • Falling trees. • Lightning. • Escape of water or oil. • Impact. • Subsidence.
The Contents cover also extends to include: • Accidental Damage – Cover for T.Vs, satellite dish aerials, hi-fi’s, videos, DVDs, home computer equipment, fixed glass, mirrors & ceramic hobs.
• Replacement Locks – To replace locks if your keys are lost or stolen up to £500.
• Contents in your Garden – Cover for the contents of your garden including any motorised garden equipment – up £1,000.
• Legal Liabilities – Cover for your legal liability as occupier for injury to other people or damage to their property and personal liability cover for you and your household – up to £2,000,000.
• Deeds and Title Documents – For recreating title deeds or documents lost through an insured event from your home – up to £500.
• Temporary Accommodation – If you have to leave your home because it is uninhabitable following an insured event – up to 20% of your contents sum insured.
• Temporary Removal – Cover is given for contents while temporarily removed from your home.
• Food in the Freezer – Loss of food if your freezer breaks down – up to £1,000. • Personal Money – up to £250.
• Business Equipment – including computers, as long as the equipment is owned by a member of your household.
What is not covered • Property or money used or held for business or professional purposes which is not owned by you or a member of your household • Tools or instruments held for business or professional purposes • Gold, silver, jewellery, furs, paintings, work of art and curios in excess of 1
/3rd
of the contents sum insured, unless agreed • The first £50 of any claim. 20:20 87
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