Home Contents Insurance

The home contents insurance section usually covers the following:-

Fire lightning explosion earthquake
Riot
Malicious Damage (not by you, tenants or paying guests)
Impact by aircraft, animals or vehicles
Storm or flood (not to fences, gates, hedges or railings)
Theft or attempted theft (not by deception)
Subsidence, ground heave or landslip (not coastal or river bank erosion, solid floor slabs, settlement, shrinkage, expansion, demolition, faulty workmanship or design)
Water leaking from fixed appliances, freezing or forcible and violent bursting
Falling trees or branches, lampposts or telegraph poles
Oil leaking from any fixed appliance pipe or tank
Accidental damage of fixed glass in furniture, mirrors or ceramic hobs in unfixed kitchen appliances
Breakage or collapse of satellite, television- receiving or television aerials
Accidental damage to audio, hi-fi television telecommunication or video equipment (not mobile phones), computers (not laptops) computer software, hand-held computers or electronic toys, satellite television receiving equipment

Accidental damage to the contents not in the open, not if the home is sublet, clothing or contact lenses

Your liability as OCCUPIER of the home or as private individuals
Excludes use of vehicles and craft
Liability assumed under contract or injury to your family or damage to your own property is not covered
Excludes dangerous dog act
Excludes non-domesticated animals.

Contents in the Open
Temporary removal (not all perils above apply) and theft must be by forcible and violent entry. Money may be excluded at your place of work
Damage caused by professional removal
Increase of sum insured for gifts
Tenants improvements if you are a tenant
Index linking - increase the sums insured each year
Jury Service
Alternative accommodation
Replacing locks following loss or theft of keys
Fatal accident cover - usually following assault, passenger in road and rail, assault
Prams and wheelchairs
Frozen food deterioration
Title Deeds

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.