Home Buildings Insurance

The following are insured in our competitive premiums for Buildings Cover. The amount insured is index-linked, it will rise with the cost of repair or replacement to items below:

• Loss or damage to the buildings (including the index-linked cost of repair or replacement) caused by:
  • Fires, smoke or lightning, storm or flood.
  • Subsidence or landslip.
  • Vandalism, riot or civil disturbance.
  • Frozen pipes or Oil leak from a heating system.
  • Falling trees, branches, aerials or satellite dishes.
  • Theft or attempted theft.
• Architects and surveyors' costs and legal fees in the event of damage to the buildings.
• Cost of site clearance and making the buildings safe in the event of damage.
• Alternative accommodation in the event of the home being rendered uninhabitable.
• £1,000,000 Public Liability.

Extra protection is available for accidental damage to buildings, but the following are automatically covered against accidental damage.

• Glass in windows and doors
• Sanitary ware
• Cables and underground pipes.

Extra protection is available for the following:

• Accidental damage to contents.
• Unspecified articles inside and outside the home to a limit of £1,000 per item & specified articles inside and outside the home.
• Sports equipment (including guns) inside and outside the home to a limit of £500 per loss & Bicycles (subject to wear and tear).

Please note that each of the above is subject to terms and conditions, a maximum amount insured per policy and any excess.

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