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Your Household


Your home is likely to be the biggest financial investment you ever made, so totally reliable insurance protection is a must.


Buildings 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 •


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


• Lightning • Escape of water or oil • Falling trees • Impact • Subsidence


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. 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.


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