Home insurance for buildings and contents

As standard you’re covered for loss or damage caused by events such as:

• Fire, explosion, lightning or earthquake

• Smoke

• Storm or flood

• Malicious acts or vandalism

• Theft or attempted theft

You’re not covered for:

• Damage caused by theft, vandalism, escaping water or oil

  if your home has not been lived in for more than 60 days in a row

• Wear and tear

  or anything that happens gradually

If you choose our Accidental Damage add on you’re covered for when something happens suddenly and by accident, such as putting your foot through the ceiling when working in the attic.

Our standard policy covers:

• You

• Your family

• Your pets

As standard you’re covered for:

• Costs of finding the source of a water leak

  such as calling out a plumber to take up floorboards

• Repairing damage required to find a leak

  such as refitting or replacing floorboards after the leak is fixed

You’re not covered for loss or damage:

• Cost of replacing pipes or parts causing a leak

  when due to accidental damage or wear and tear

• When the building is unoccupied

  for more than 60 days in a row

You can choose our Home Assistance add on to get 24/7 access to tradespeople and up to £500 to repair a leak.

You can choose our Accidental Damage add on to cover costs for repairing or replacing pipes or parts when they are accidentally damaged.

As standard you’re covered for:

• Cost of breaking into and repairing

  underground pipes or drains serving the buildings if standard methods to restore service are unsuccessful.

As standard you’re covered for contents loss of or damage caused by:

• Fire, explosion, lightning or earthquake

• Smoke

• Storm or flood

• Malicious acts or vandalism

• Theft or attempted theft

You’re not covered for loss or damage:

• To your belongings whilst outside your home

• Caused by wear and tear

• Caused accidentally

  such as paint spillages or dropped laptops

You can choose our Personal Possessions add on to be covered for contents outside of the home.

You can choose our Accidental Damage add on to cover the costs of repairing or replacing belongings when they are accidentally damaged.

As standard you’re covered for equipment owned by you or your family which is used for business purposes, such as:

• Laptops

• Printers

• Monitors

• Desks

You’re not covered for:

• Accidental loss or damage

  to your belongings whilst outside your home

• Business stock or materials

You can choose our Personal Possessions add on if you need cover for further personal possessions.

As standard you’re covered for:

• Antiques, collectables and jewellery

  per item, pair or set

You’re not covered for:

• Accidental damage

  to contents in your home

• Accidental loss or damage

  to belongings whilst outside your home

You can choose our Personal Possessions cover add on if you need cover for accidental damage and other losses that happen outside your home.

As standard you’re covered for:

• Contents from your outbuildings at 
the home

You can choose our Personal Possessions add on for cover for contents outside of the home.

As standard you’re covered for:

• Rent

• Alternative accommodation