Standard Cover Household Insurance covers the contents of your home on a NEW for OLD basis against loss or damage from many insured events such as:
Fire
Smoke
Explosion
Lightning
Storm & flood
Escape of water or oil
Theft & malicious damage
Impact
Falling Trees Subsidence
The contents cover also extends to include:
Accidental damage - Cover for T.V.s, satellite dish aerials, hi-fis, videos, DVDs, home computer equipment, fixed glass, mirrors and ceramic hobs.
Replacement locks - To replace locks if your keys are lost or stolen up to £500.
Contents in your Garden - Cover for the contents of your garden including any motorised garden equipment - up to £1,000.
Legal Liabilities - Cover for your legal liability as occupier for injury to other people or damage to their property and personal liability cover for you and your household - up to £2,000,000.
Deeds and Title Documents - For recreating title deeds or documents lost through an insured event from your home - up to £500.
Temporary Accommodation - If you have to leave your home because it is uninhabitable following an insured event - up to 20% of your contents sum insured.
Temporary Removal - Cover is given for contents while temporarily removed from your home.
Food in your Freezer - For loss of food if your freezer breaks down - up to £1,000
Personal Money - up to £250.
Business Equipment - including computers, as long as the equipment is owned by a member of your household.
What is not covered
Property or money used or held for business or professional purposes which is not owned by you or a member of your household.
Tools or instruments held for business or professional purposes.
