| Buildings cover - you can choose cover from £30,000 to £750,000 |
| What's covered ? |
Amount covered |
| The structure of the property including its walls, fences, drives and patios |
Up to the sum insured |
| Outbuildings within the boundaries of the home |
Up to the sum insured |
| All permanent fixtures and fittings |
Up to the sum insured |
| Fixed glass and windows in the home and fixed sanitary ware (accidental damage is provided as standard) |
Up to the sum insured |
| Cover during the sale of the property |
Up to the sum insured |
| Property Owners Liability cover |
Up to £2,000,000 |
| Alternative accommodation if the home cannot be lived in following an insured event |
20% of the sum insured up to a maximum of £15,000 |
| Outbuildings within the boundaries of the home |
Up to the sum insured |
| Contents cover - you can choose cover from £15,000 to £99,000 |
| What's covered ? |
Amount covered |
| Household goods including non permanent fixtures and fittings such as carpets |
Up to the sum insured |
| High risk items such as TV's, video, DVD's, computers and jewellery |
Chosen by customer |
| Office equipment and furniture for a business run from the home |
Up to £3,000 |
| Freezer contents |
Up to £500 |
| Alternative accommodation |
20% of sum insured up to a maximum of £15,000 |
| Cash if stolen from the home |
Up to £350 |
| Unauthorised use of credit cards stolen from the home |
Up to £500 |
| Guest's property |
Up to £500 |
| Cover for personal documents and title deeds |
Up to £250 |
| Public liability cover |
Up to £2,000,000 |
| Increase in contents cover during the Christmas period and before and after Weddings |
Up to 10% |
| Loss of oil or metered water |
Up to £2,000 |
| Contents in the open |
Up to £1,000 |
| Replacement locks and keys cover |
Up to £500 |
| Accidental damage to home entertainment equipment provided as standard |
Up to the sum insured |
Optional extras
Accidental Damage Cover
In addition to the standard level of cover there is the option to increase the level of cover to include accidental damage for buildings or contents. This would cover events such as a paint spillage on a sofa for contents or putting a foot through the ceiling for buildings.
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.
Bicycle
Any bicycle worth under £350 is covered as standard, but if cover is required for bicycles worth over £350 you can pay an additional premium to add bicycle cover to the standard policy.
Family Legal Protection
For an additional premium, you can include Family Legal Protection. This will provide cover up to £50,000 to pursue legal claims for incidents such as employment disputes and personal injury claims.
Home Assistance
For an additional premium, you can include Home Assistance which provides cover up to £1,000 in the event of an emergency in your home affecting the heating, plumbing and drainage.
