The policy covers your Buildings and Contents against loss or damage caused by:
- Fire, explosion and smoke
- Theft or attempted theft
- Leakage of water or oil
- Civil Commotion and malicious damage
- Impact by aircraft, vehicles or animals
- Storm or flood
- Lightning, thunderbolt or earthquake
- Falling trees
- Breakage or collapse of television and radio aerials
You are also covered for your liability as the owner and occupier of your buildings, liability to your Domestic Employees and Personal Liability.
Automatic Extensions under Buildings and/or Contents Sections
- Accidental breakage of fixed glass, sanitary fixtures and underground services
- The cost of reasonable alternative accommodation and/or loss of rent whilst the home is uninhabitable
- Cover whilst you are selling your home until completion of sale.
- Professional fees and other costs
- The cost to trace and access the source of a leak
- Cover for Contents in the open
- Accidental damage cover for mirrors, glass tops, ceramic hobs or fixed glass in your furniture.
- Accidental damage cover for pedal cycles and sports equipment.
- Cover for freezer and refrigerator contents
- Accidental damage cover for Home Entertainment Equipment
- Insurance for locks and keys if these have been lost or stolen
- Insurance for replacing documents
- Insurance for credit, debit, charge, cheque or cash cards
- Insurance for Wedding Presents and Gifts
- Insurance for Contents away from your home
- Insurance for Contents in transit
- Insurance for Fatal accidents
Optional Wider Cover:
- Accidental Damage cover for your Buildings and/or Contents
- All Risks cover for Personal Possessions
- Personal Accident cover
- Home Worker Extension (if you conduct a business or profession from your home)
- A competitively priced package with attractive discounts up to a maximum of 30% for mature policyholders, senior citizens and motor vehicle policyholders.
- Efficient Claims Service and immediate assistance by our appointed consultants in the time were you need us most.