Buildings.
The property, including outbuildings and fitted interior units, will be covered on the basis of full replacement or repair costs, subject to policy excesses, against loss or damage caused by:
- Fire
- Theft
- Vandalism/malicious damage
- Lightning
- Oil or water leakage
- Smoke
- Storm (other than gates and fences)
- Subsidence
- Burst pipes
- Impact from vehicles, falling trees, animals, aircraft, aerials and masts
- Civil commotion
- Earthquake
Contents.
Whenever you rent or lease your property you can cover your contents, from £5,000 to £30,000, against fire and theft. This will include cover for furniture, household utensils, kitchen electrical goods and soft furnishings. You cannot insure personal effects or valuables but you can extend cover to include Accidental Damage.