Buildings and contents insurance comparison.

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	✓	✓
Accidental damage for buildings	Additional cover option	✓
Extended accidental damage for buildings		Additional  cover option
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
Visitor personal effects	X	£300
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)
Accidental damage for contents - to TV's, computers and stereos. Includes accidental breakage of mirrors and fixed glass in furniture.	Additional  cover option	✓
Extended accidental damage for contents - like spilling red wine on your carpet.		Additional  cover option

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 your home unless it was entered by force and violence.
• Pedal cycles stolen from home, unless it was entered by force and violence (covered by Extra policies only).
• 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 (In this case there is no cover from the first day the home is not lived in).
• 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 These examples are only a brief list of your cover and exclusions. For more details of what is and isn’t covered, please read our home insurance essentials policy summary (PDF: 719KB) and our home insurance extra policy summary (PDF: 1.71MB). For full details please read our home insurance essentials policy document (PDF: 1.1MB) and our home insurance extra policy document (PDF: 1.16MB).

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