Your home is likely to be the biggest financial investment you ever make, so totally reliable insurance is a must.

Household Insurance covers the buildings of your home on a NEW for OLD basis against loss or damage from many insured events such as:

• Fire, lightning, smoke, explosion
  
• Storm & flood
  
• Theft & malicious damage
  
• Glass breakage
  
• Falling Trees
  
• Escape of water or oil, (including trace, access and pipe repair)
  
• Impact
  
• Subsidence
  
  The buildings cover also extends to include:
• Loss of rent and alternative accommodation if your household or tenants have to leave your home because it is uninhabitable following an insured event up to 20% of the building sum insured.
• Accidental damage to underground services pipes and cables.
• Cover during sale of your property for the new owner up to completion date.
• Breakage of fixed glass and sanitary ware.
• Owners liability to the public covering up to £2,000,000 for injury to other people or damage to their property.

What is not covered

• Storm or flood damage to gates, hedges & fences.
• Subsidence damage to outdoor swimming pools, tennis courts, patios, terraces, drives, footpaths, walls, gates, hedges & fences unless the buildings of your home are damaged at the same time.
• The first £50 of any claim, increased to £1,000 in respect of subsidence.

Whatever type of protection you need, home and house insurance can provide cover to suit your individual requirements.

Important Notice

This web page is only a brief summary of our policy intended to help your understanding. Although we highlight certain exclusions, it is not intended to replace the full policy wording, a copy of which is available on request from the Society's office.