Home & Contents Insurance Cover Options
Our Home Insurance policy provides you with the following cover options and limits, depending on your choice of Buildings, Contents or the combined Buildings and Contents Insurance.
These insurance cover options are representative of our latest Home Insurance product (Policy #023) and may vary from your chosen policy. If you are a current policyholder and wish to check what is covered by your policy please refer to your existing documentation or download a copy of the appropriate policy document.
Standard Buildings Insurance
- £300,000 Buildings Insurance – This can be increased to £500,000 for an additional premium
- Up to £2,000,000 Property Owner's Liability Cover
- Up to £45,000 alternative accommodation for you and your pets
- Up to £2,000 for loss or damage to your trees, shrubs, plants, hedges and lawn
Standard Contents Insurance
- £50,000 Contents Insurance – This can be increased to £75,000 for an additional premium
- Up to £2,000,000 Occupiers' Liability Cover
- Up to £10,000 alternative accommodation for you and your pets
- Up to £15,000 for your specified items & valuables
- Up to £5,000 per item for your unspecified contents
- Up to £2,000 per item for jewellery, gold and silver articles, furs, clocks, watches, pictures, other works of art, sculptures and collections of stamps, medals or coins unless specified
- Up to £2,500 theft cover for items in your garage or outbuildings
- Replacement of food from your freezer that has been spoilt by accidental change in temperature
- Up to £500 for loss or damage to contents in the open within the grounds of your home
- Business equipment covered if you work from home
- Replacement items settled on a new for old basis if they cannot be economically repaired
- Increased contents cover for wedding gifts is available for one month before and one month after the wedding day up to £3,500.
You can further enhance your Buildings & Contents insurance with the following range of Optional Insurance Extras
What's not covered?
As with all insurance policies there are certain circumstances when you will not be able to make a claim, known as exclusions. Full details of the exclusions which apply are provided in our Policy Document.
Some examples of exclusions include:
- Any loss or damage to buildings caused by wet rot or dry rot
- General wear and tear
- Storm or flood damage to fences, hedges and gates
- Loss or damage by some events which occurs after the insured property has been unoccupied for more than 60 days
- £250 Escape of water or oil or the excess stated in your certificate, whichever is the greater
Security conditions apply for theft and malicious damage claims. We require that when the home is left empty, or when you and your family retire at night, they must:
- At least one key operated lock or key operated bolt which is in full working order must be both in place and in use on all the outside doors.
For the purpose of this restriction, a lock will be in use when the use of a key is required to open the lock from at least one side.
- At least one lock or fastening must be both in place and in use on all the windows and they must be secured fully closed.
When the occupants retire at night the locks and fastenings on windows in occupied rooms do not need to be used.
Failure to do this may invalidate your claim.
Buildings & Contents Insurance is underwritten by Royal & Sun Alliance Insurance plc