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buildings and contents insurance

FEATURE	ESSENTIALS COVER	EXTRA COVER
BUILDINGS COVER	Sum insured will be estimated	Sum insured will be estimated
Compulsory excess	£150	£100
Alternative accommodation	£25,000	£50,000
Home emergency cover
Trace and access		£5,000
Number of days cover when your home is unoccupied	30 consecutive days	60 consecutive days
Standard accidental breakage for buildings	Optional
Extended accidental damage for buildings		Optional
CONTENTS COVER	Sum insured will be estimated	Sum insured will be estimated
Compulsory excess	£150	£100
High risk items	Up to 20% of your contents sum insured	Up to 33% of your contents sum insured (a minimum of £14,000
High risk single item limit	Up to 5% of your contents sum insured (a minimum of £2,000)	Up to 5% of your contents sum insured (a minimum of £2,000)
Contents in garden		£1,000
Credit cards		£5,000
Freezer contents		£1,000
Special events
Number of days cover when your home is unoccupied	30 consecutive days	60 consecutive days
Standard accidental damage for contents	Optional
Extended accidental damage for contents		Optional

The first £150 for Essentials cover or the first £100 for Extra cover of compulsory excess on each claim (or for escape of water claims, the first £250 and in the event of subsidence, heave or landslip, the first £1,000 for buildings) plus any voluntary excess if you choose it.
Storm or flood damage to fences, gates and hedges for both Essentials and Extra cover
Routine maintenance or wear and tear for both Essentials and Extra cover
Money stolen from you home unless it was entered by force and violence for both Essentials and Extra cover
Accidental damage to portable items like video cameras and hand held computer games, unless you've taken out optional contents extended accidental damage or personal possessions cover for Extra, or unless you've taken out optional personal possessions cover for Essentials
If your home has been unoccupied for more than 60 consecutive days for Extra or 30 consecutive days for Essentials, we won't cover loss or damage caused by malicious acts, vandalism, theft, water or oil leaks, breakage of glass or sanitaryware or frost damage.
The cost of replacing any undamaged or unbroken item or parts of items forming part of a set, suite or other article of uniform nature, colour or design if damage occurs within a clearly identifiable area or to a specific part and it is not possible to match replacements for both Essentials and Extra cover