Subject to the conditions, exclusions and excesses on the policy document the following covers are provided.
Covers |
Household Insurance |
Owner Occupier contents Insurance |
Landlord Insurance |
Tenant Contents Insurance |
|---|---|---|---|---|
| Accidential Damage | Optional Cover | Optional cover | Optional cover - buildings only | |
| Fire, explosion, lightning and earthquake | Yes | Yes | Yes | Yes |
| Smoke | Yes | Yes | Yes | Yes |
| Storm or flood | Yes | Yes | Yes | Yes |
| Water or oil leaks | Yes | Yes | Yes | Yes |
| Stealing or attempted stealing | Yes | Yes | Yes | Yes |
| Impact by aircraft, rail or road vehicle or animal | Yes | Yes | Yes | Yes |
| Falling aerials, masts, satellite dishes, trees or branches | Yes | Yes | Yes | Yes |
| Riot, civil commotion, malicious damage | Yes | Yes | Yes | Yes |
| Strikes, labour disturbances and vandalism | Yes | Yes | Yes | Yes |
| Subsidence or heave or landslip | Yes | Yes | Yes | Yes |
| Breaking of glass | Yes | Yes | Yes | Yes |
| Frozen Food | Yes | Yes | ||
| Architect’s Surveyor’s and legal fees & debris removal | Yes | Yes | ||
| Service pipes and cables | Yes | Yes | ||
| Fire brigade charges | Yes | Yes | ||
| Alternative accommodation/loss of rent | Yes | Yes | ||
| Trace and access | Yes | Yes | ||
| purchaser’s interest in your property | Yes | Yes | ||
| Public authorities requirements costs | Yes | Yes | ||
| Liability to the Public | Yes | Yes | ||
| Personal Liability | Yes | Yes | ||
| Liability to domestic Employees | Yes | Yes | Yes | |
| Alternative Accommodation | Yes | Yes | ||
| Contents temporarily removed | Yes | Yes | ||
| Household Removal | Yes | Yes | ||
| Contents in the open | Yes | Yes | Yes | |
| Replacement Door Locks | Yes | Yes | Yes | |
| Title Deeds | Yes | Yes | Yes | |
| Wedding gifts | Yes | Yes | ||
| Visitors and Guests property | Yes | Yes | ||
| Money in the house | Yes | Yes |