Policy Sections

Definitions
Cover Causes
Material Damage
Buildings
Buildings - Extensions
Buildings - Exclusions
Contents
Contents - Extensions
Contents - Exclusions
Glass. Blinds and Signs
Extensions
Exclusions
Conditions
Loss of Rent
Rent Receivable
Alternative Accommodation
Extensions
Conditions
Liability
Public Liability
Public Liability Exclusions
Employers Liability
Employers Liability Exclusions
Extensions
Conditions
General Exclusions and conditions
Exclusions
Conditions
Complaints
Making a claim

Damage - Exclusions

Landlord insurance may have exclusions to all forms of material damage.

Examples

1. The Excess on the Policy

2. Damage to road vehicles and the like

3. Damage to property undergoing construction and materials

4. Property insured more specifically elsewhere

5. Damage caused by explosion of anything that has to be examined  to comply with regulations, unless their is a contract providing the inspection cover.

6. Reduction in value, consequential loss

7. Wear and Tear

Caveat

Like all insurance policies, a landlords insurance policy consists of several sections. General information about the various sections is included. You must not assume that your policy has all of the sections referred to (and will probably have different terms, conditions and exclusions). If in doubt contact your insurance broker for advice.

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