Home Insurance Cover - Features and Benefits
Choose the level of insurance cover that suits you
Our home insurance allows you to choose the type and limit of cover that will best suit your requirements. We can provide cover for property, contents (with or without accidental damage cover) and for personal possessions when away from home.
Type of Cover | Level of Cover |
|---|---|
Buildings | £1,000,000 |
Fire, loss of water, loss of oil, theft, storm or flood, subsidence, impact, vandalism |  |
Subsidence, heave and landslip | |
Accidental damage | Optional |
Alternative accommodation or rent | £25,000 |
Property owners liability | £2,000,000 |
Damage caused by emergency services | Standard |
Accidental damage to fixed glass and sanitary fittings | Standard |
Accidental damage to cables, underground pipes and drains | Standard |
Contents | Sum insured up to £150,000 |
Fire, loss of water, loss of oil, theft, storm or flood, subsidence, impact, vandalism, aerials | |
Accidental damage | Optional |
Loss of metered water | Up to the contents sum insured |
Loss of oil | Up to the contents sum insured |
Contents in outbuildings | £2,500 |
Contents in the garden | £1,000 |
Temporary removal | £5,000 |
Title deeds | £750 |
Alternative accommodation or rent | £25,000 |
Tenants cover | £10,000 |
Money and credit cards | £500 each |
Loss of keys | Up to the contents sum insured |
Frozen food | £500 |
Christmas gifts (subject to conditions) | 10% increase |
Wedding gifts (subject to conditions) | 10% increase |
Fatal injury | £5,000 |
Personal liability | £2,000,000 |
Employers liability | £10,000,000 |
Valuables limit | Up to one third of your contents sum insured |
Accidental damage: breakage of mirrors & glass | Standard |
Accidental damage to TV, video or computer equipment | Standard |
Office at home | £5,000 |
Personal possessions away from the home | |
Minimum sum insured £2,500 | Optional |
Additional policy benefits | |
24 Hour Help Line | |
24 Hour Claim Line | |
£50,000 Legal expenses cover | Optional |
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