What Items are Covered by Building Insurance


Typical Home insurance cover protects you against:

  1. Property rebuilding or repair expenses including architects' and surveyors' fees
  2. Damage caused by fire, explosion, lightning and earthquake.
  3. Storm and flood damage (excluding gates, fences or railings).
  4. Impact from aircraft, vehicles and animals.
  5. Subsidence of the site that your buildings stand on or landslip.
  6. Malicious damage whilst you are at home and on holiday for up to 30 days.
  7. Damage caused by falling trees.
  1. Water damage to the buildings caused by burst pipes and accidental damage to cables, underground pipes and drains serving your home and for which you are responsible
  2. Structure and external property, including walls, hedges*, fences*, drives, paths, patios, outbuildings, swimming pools and tennis courts.
  3. The cost of alternative accommodation if you have to move out during repairs, up to 10% of the amount for which you are insured
  4. The cost of any damage caused should the emergency services have to force entry to your home in a medical emergency
  5. Up to £2 million cover for liabilities to the public that you may incur as owner.


10 Items probably not covered by your Building Insurance

  1. Incidents which took place before the start of this insurance.
  2. Damage caused by pressure waves from aircraft and other aerial devices travelling at sonic or supersonic speeds.
  3. Loss, damage or cost directly or indirectly caused by any act of terrorism war, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection or military power..
  4. Any property insured under another more specific policy.
  5. Any fall in market value as a result of repairs or reinstatement.
  6. Loss or damage as a result of confiscation or detention by order of government or public authority.
  7. Loss where property is obtained by fraud
  8. Any legal liability, loss or damage arising from ionising radiation or radioactive contamination from nuclear fuel or nuclear waste; or  radioactive, toxic, explosive or other hazardous properties of explosive nuclear equipment.
  9. Loss, damage, consequential loss or liability or injury directly or indirectly caused by, pollution or contamination unless it is caused by a sudden, identified, unexpected and unforeseen accident


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