Home Buildings Insurance
The home buildings insurance section usually covers the following:-
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Fire lightning explosion earthquake
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Riot
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Malicious Damage (not by you, tenants or paying guests)
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Impact by aircraft, animals or vehicles
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Storm or flood (not to fences, gates, hedges or railings)
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Theft or attempted theft (not by deception)
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Subsidence, ground heave or landslip (not coastal or river bank erosion, solid floor slabs, settlement, shrinkage, expansion, demolition, faulty workmanship or design)
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Water leaking from fixed appliances, freezing or forcible and violent bursting
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Falling trees or branches, lampposts or telegraph poles
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Accidental damage of fixed glass, fixed sanitary ware, ceramic hobs in fixed kitchen furniture
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Breakage or collapse of satellite, television- receiving or television aerials
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Accidental damage to cables and underground pipes
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Accidental damage to the buildings not caused by tenants or workmen
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Your liability as OWNER of the buildings and land, but not as occupier
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Prior ownership of property under the Defective Premises act 1972
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Liability assumed under contract or injury to your family or damage to your own property is not covered.
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The cost of reasonable alternative accommodation, ground rent or loss of rent due to you if the home be uninhabitable after an insured event
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Replacing locks if keys lost or stolen (check your policy as some limit it to theft only)
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Tracing Leaks in water pipes
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Index linking - increase the sums insured each year
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Selling your home - if you have contracted to sell your home at the time of the claim the buyer will have the benefit of the policy
This is a guide only. As is usual - refer to your own policy or ask your broker if you have any queries about the cover under your own policy.