Insured penls covered
What is covered:
Loss or damage to your buildings during the period of insurance caused by the following insured events:
Fire, smoke, lightning, explosion or earthquake.
Aircraft and other flying devices or items dropped from them.
storm, flood or weight of snow
escape of water from and frost damage to fixed water tanks, heating installation ,apparatus or pipes.
Escape of oil from a fixed domestic oil-fired heating installation and smoke damage caused by a fault in any fixed domestic heating installation
Theft or attempted theft
Collision or impact by any vehicle or animal
Riot, violent disorder, strike, labor disturbance, civil commotion or malicious acts.
Subsidence, or heave of the site upon which the buildings stand or landslip.
Breakage or collapse of fixed radio and television aerials, fixed satellite dishes and their fittings and masts
Falling trees, branches ,telegraph poles or lamp-posts.
A. The costs of accidental damage to:
Fixed glass and double glazing (including the cost of replacing frames),
Solar Panels,
sanitary ware,
ceramic hobs,
all forming part of the buildings.
B. The cost of accidental damage to:
Domestic Oil pipes,
underground water supply pipes,
underground sewers, drains and septic tanks,
underground cables,
serving the home and which you are legally responsible for.
C. If you have to move out of your home because of any loss or damage covered under section one, they will pay you for one of the following expenses or losses they have agreed to:
loss of rent due to you which you are unable to recover;
Additional costs of alternative accommodation, substantially the same as your existing accommodation, which you have to pay for a while the buildings can not be lived in following loss or damage which is covered under section one.
They will pay under this section for the period your home is unfit to live in.
D, Expenses you have to pay and which they have agreed in writing for:
Architects, surveyors', consulting engineering's and legal fees,
The cost of removing debris and making safe the building,
Cost you have to pay in order to comply with any government or local authority requirements,
following loss or damage to the buildings under section one.
Increased metered water charges you have to pay following an escape of water which gives rise to an admitted claim under event 4 of section one.
Anyone buying the home who will have to benefit of section one cover until the sale is completed or the insurance ends, whichever is sooner.
The cost of replacing and fitting the locks or lock mechanism of external doors and windows of the home if the keys are lost or stolen anywhere in the world
If your buildings caused by forced access to deal with medical emergency or to prevent damage to the home
The costs of re-instating the gardens to their original condition following damage caused by emergency services at the home following a loss covered under section one
The costs of removing bees, wasps and hornets nests from the home which have been incurred by you and they have agreed in writing.
The costs, which are competitive i the relevant marketplace, of replacing or refiling fire extinguishers, replacing sprinkler heads and refilling sprinkler tanks following loss or damage covered under section one.
The costs, which are competitive in the relevant marketplace, of repairing or replacing closed circuit television system at the home following loss or damage covered under section one.
Costs you have to pay for removing illegally dumped items from the premises and disposing of them at a fully licensed amenity site plus the costs of repairing any damage caused by fly tippers at the premises.
Legal Liability (as owner of the home)
We will pay for your legal lability:
As owners of the home for any amounts you become legally liable to pay as damages for
Bodily injury
caused by an accident happening at the premises during the period of insurance
*CONDITIONS APPLY*
Additional cover available
Accidental damage to the buildings
Please note not all policies are the same and you should check your individual policy to see whether the benefits are included or contact an insurance broker for advice.
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