Home & Contents Insurance

Without Buildings & Contents Insurance you could be financially ruined if a loss occurred or constrained by having to set aside money to fund your own repairs or replacement.

Buildings & Contents Insurance provides you with peace of mind by protecting your home, contents and personal belongings from damage or loss whilst also protecting your legal liabilities as a property owner or occupier.

Cover Options	Buildings & Contents Apply	Buildings Only Apply	Contents Only Apply
Fire, smoke, explosion, lightning, earthquake
Malicious damage or vandalism
Storm or flood
Subsidence or heave
Replacement Locks - Up to £750
New for old replacement
Escape of water or oil
Alternative accommodation
Property Owners Liability
Occupiers' Liability
Theft of contents in garage/outbuildings - up to £2500
Contents within the grounds of your home - up to £500
Business Equipment
Food in the freezer

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 occur after the insured property has been unoccupied for more than 60 days
• £250 Excess Payment for 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 without any occupants, or when the occupants retire at night:

• 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