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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” 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.

Thank you

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