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What we cover

We offer the following levels of home insurance cover for you to choose from:

• Home Contents Insurance Only
• Buildings Insurance Only
• Buildings and Contents Insurance - includes all of the cover outlined below

Home Contents Insurance Only

• All household goods.
• New (and greener) for old contents cover
• Valuables – although you will need to tell us about individual items valued at over £2,500
• Money in the home including unauthorised use of any cards - up to £500 for money and £250 for credit cards.
• You are covered against fire, storm or flood, theft, malicious damage or vandalism, subsidence and escape of water.

This also includes:

• Freezer contents - up to £500
• Contents in the garden - up to £500

Only items within the household are insured. Items which are stored in an outbuilding within the boundary of the home provided they are locked away are also covered. If you want cover outside the home, you will need Personal Possessions cover.

Buildings Insurance Only

• The structure of your home including any gates, hedges and walls.
• Structures within the boundaries of your home such as garages and sheds.
• All permanent fixtures and fittings such as bathroom suites.
• You are covered against fire, storm or flood, theft, malicious damage, vandalism, subsidence and escape of water.

This also includes:

• Replacement locks cover if your keys are stolen - up to £500.
• Up to 20% of the buildings sum insured to pay for the cost of alternative accommodation if the home cannot be lived in because of loss or damage.