Buildings & Contents for Homeowners

Our buildings & contents policy includes up to £500,000 buildings cover and £60,000 contents cover as standard, and is designed to provide cover for a property occupied as a main home.

BUILDINGS INSURANCE (if selected)

COVER LIMIT (the most we will pay)

Sum insured

£500,000

Accidental damage to glass / sanitary ware etc

Included as standard

Accidental damage to underground drains etc

Included as standard

Property owners' liability

£2,000,000

Alternative accommodation

£100,000

Trace source of escaped water / oil

£5,000

Escape of metered water

£1,500

Replacing locks - loss / theft of keys

£750

       

 

 

       

CONTENTS INSURANCE (if selected)

COVER LIMIT (the most we will pay)

Sum insured

£60,000

Accidental damage to glass / mirrors etc

Included as standard

Accidental damage electronic equipment

Included as standard

Liability for domestic staff

£5,000,000

Property owners' liability

£2,000,000

Valuable items

£12,000

Alternative accommodation

£12,000

Contents removed from the home

£6,000

Special event contents increase

£6,000

Business equipment

£4,000

Student cover

£4,000

Theft from outbuilding

£2,000

Escape of metered water

£1,500

Title deeds

£1,500

Credit cards

£1,000

Replacing locks - loss / theft of keys

£750

Plants

£500

Property in the open (garden)

£500

Freezer contents

£300

Money

£300

       

 

 

       

ACCIDENTAL DAMAGE (if selected)

COVER LIMIT (the most we will pay)

Accidental damage to buildings

£500,000

Accidental damage to contents

£60,000

 

PERSONAL BELONGINGS (if selected)

COVER LIMIT (the most we will pay)

Sum insured

£10,000

Jewellery & watches

£10,000

Sports equipment

£10,000

Credit cards

£1,000

Pedal cycles

£500

Mobile telephones

£250

 

 

  
Please refer to the Policy Document for the full terms and conditions, which is available upon request.