As standard, we'll cover damage to your property from:
- Fire and smoke damage
- Explosion
- Lightning
- Earthquakes
- Storm and flood damage
- Riot, civil commotion, strikes, labour and political disturbances
- Damage by malicious people or vandals
- Collision by aircraft or other aerial devices, vehicles and animals (not domestic pets)
- Theft or attempted theft from the home
- Falling radio and TV aerials
- Subsidence, heave or landslide
- Damage caused by falling trees or branches
- Leakage of water or heating fuel
Buildings cover
With our buildings policies, we cover the following as standard:
- Damage to the building by standard risks (as listed above)
- Replacement locks
- Emergency access
- Liability as owner
- Rent and cost of alternative accommodation.
Contents cover
With our contents policies, we cover the following as standard:
- Damage to contents in the home by standard risks (as listed above)
- Valuables: standard limit
- Valuables: single article limit
- Fatal injury benefit
- Emergency access
- Rent and cost of alternative accommodation
- Money in your home
- Theft of contents from garages or outbuildings
- Replacement locks
- Food in freezers
- Occupiers and personal liability
- Employers liability
- Tenants liability
For more detailed information about what we cover, please check your Home Insurance Policy - you can download this in the Documents section of your My account.