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Buildings and contents insurance.

What's covered by our buildings and contents insurance?

You can choose from two levels of buildings and contents cover to suit your needs, either Extra or Essentials. Whichever option you choose, you'll get the same great service from a name you can trust.

Here's just some of the things that are included as standard with our buildings and contents insurance. We've also provided a list of what isn't covered by our buildings and contents insurance. For full details please read the relevant policy documents on the right of this page.

FEATURE	ESSENTIALS COVER	EXTRA COVER
BUILDINGS COVER	Sum insured will be estimated, but can be increased	Sum insured will be estimated, but can be increased
Minimum compulsory excess	£150	£100
Alternative accommodation	£25,000	£50,000
Home emergency cover	X	£150
Trace and access	X	£5,000
Damage to buildings	Including, but not limited to storm, flood, fire, smoke, earthquake	Including, but not limited to storm, flood, fire, smoke, earthquake
Escape of water and leakage of oil	X	✓
Standard accidental damage for buildings	Optional	✓
Extended accidental damage for buildings	X	Optional
CONTENTS COVER	Sum insured will be estimated, but can be increased	Sum insured will be estimated, but can be increased
Minimum compulsory excess	£150	£100
High risk items	Up to 20% of your contents sum insured	Up to 33% of your contents sum insured (a minimum of £14,000
High risk single item limit	Up to 5% of your contents sum insured (a minimum of £2,000)	Up to 5% of your contents sum insured (a minimum of £2,000)
Contents in garden	X	£1,000
Credit cards	X	£5,000
Freezer contents	X	£1,000
Special events	X	✓
Theft from outbuildings	£1,000	Up to 10% of contents sum insured (a minimum of £5,000)
Standard accidental damage for contents	Optional	✓
Extended accidental damage for contents	X	Optional

What isn't covered by our buildings and contents insurance

The first £150 for Essentials cover or the first £100 for Extra cover of compulsory excess on each claim (or for escape of water claims, the first £250 and in the event of subsidence, heave or landslip, the first £1,000 for buildings) plus any voluntary excess if you choose it.
Storm or flood damage to fences, gates and hedges
Routine maintenance or wear and tear
Money stolen from you home unless it was entered by force and violence
Accidental damage to portable items like video cameras and hand held computer games, unless you've taken out optional contents extended accidental damage or personal possessions cover for Extra, or unless you've taken out optional personal possessions cover for Essentials
If your home has been unoccupied for more than 60 consecutive days for Extra or 30 consecutive days for Essentials, we won't cover loss or damage caused by malicious acts, vandalism, theft, water or oil leaks, breakage of glass or sanitaryware or frost damage.
The cost of replacing any undamaged or unbroken item or parts of items forming part of a set, suite or other article of uniform nature, colour or design if damage occurs within a clearly identifiable area or to a specific part and it is not possible to match replacements for both Essentials and Extra cover

Important information

This summary is only a brief guide to your cover and exclusions. For more details of what is and isn’t covered, please read our home insurance essentials key features (PDF: 1286KB) and our home insurance extra key features (PDF: 1484KB). For full details please read our home insurance essentials policy document (PDF: 1776KB) and our home insurance extra policy document (PDF: 2214KB).

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