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” O O O O
basis. Accidental damage to household equipment – may be a higher premium. Loss or damage to items you temporarily remove from the house – does not include glass or fragile items. Food that has spoiled in the freezer or fridge due to break down or power cut. Cash stolen from your home, up to a limit.
How to make a claim Contact 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.
Published on May 20, 2013