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We are pleased to offer a range of Household Policies to protect your home and its contents. All offer excellent value for money. Most policies provide the following :- Your buildings insurance covers | The structure of your home and walls, gates, fences, hedges, footpaths etc. | Outbuildings such as garages and sheds. | All permanent fixtures and fittings such as kitchen units, fitted wardrobes and wallpaper. | All of the above are covered against fire, storm and flood (except hedges, gates and fences), theft, vandalism, escape of water and subsidence. | Property owner's liabilities. | Falling trees. | Insurers will also cover Accidental damage to underground pipes and cables. e.g. pipes freezing. | Accidental damage to fixed glass and sanitary ware. | Loss of rent and cost of alternative accommodation for you, your family and pets during necessary repairs to your home following an insured event. | Accidental Damage When added to your buildings insurance, it covers accidental damage to your home such as putting your foot through the roof, spilling paint down the side of an external wall or damaging pipes or cables whilst hammering a nail into a wall. Contents Insurance Insurers cover on a 'new for old' basis: | All household goods (including all non-permanent fixtures and fittings. e.g. carpets and curtains) | Personal belongings. e.g. cameras, bags and glasses. | Cash in your home*. | All of the above are covered against theft, vandalism, fire, storm and flood. | Insurers will also cover: Accidental damage to TVs, VCRs, stereo equipment and home computers. | Freezer contents*. | Contents temporarily removed from your home. e.g. caravan or holiday home. | Cost of replacing external door locks if keys are stolen*. | Contents in the garden*. | * subject to policy limits
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