Home Insurance

What does home insurance cover?

House insurance covers the following Buildings insurance – damage to buildings; Contents insurance - damage to contents; All-risks cover – loss or damage to valuables; Liability insurance – injury to others in or around

your home, damage to other people’s property.

What is usually covered by buildings insurance?

Damage caused by: Fire, explosion, lightning or earthquake; Flooding, storm and subsidence, with some

restrictions; Riot, vandalism, or other violent acts; Burglary or attempted burglary that results in

property damage; Water or oil escaping from a fixed appliance such as

a water tank; Vehicles, animals, etc, damaging buildings, walls,

fences, etc; Falling trees and branches.

What is usually covered?O Loss or damage to items on a “new for old”

basis. O Accidental damage to household equipment

– may be a higher premium.O Loss or damage to items you temporarily

remove from the house – does not include glass or fragile items.

O Food that has spoiled in the freezer or fridge due to break down or power cut.

O Cash stolen from your home, up to a limit.

How to make a claimContact your insurer or broker as soon as

possible.Give brief details of incident and request a

claim form.You will be told what to do next.

Thank you

Thank you