Home Buildings Insurance

The home buildings insurance section usually covers the following:-

Fire lightning explosion earthquake
Riot
Malicious Damage (not by you, tenants or paying guests)
Impact by aircraft, animals or vehicles
Storm or flood (not to fences, gates, hedges or railings)
Theft or attempted theft (not by deception)
Subsidence, ground heave or landslip (not coastal or river bank erosion, solid floor slabs, settlement, shrinkage, expansion, demolition, faulty workmanship or design)
Water leaking from fixed appliances, freezing or forcible and violent bursting
Falling trees or branches, lampposts or telegraph poles
Accidental damage of fixed glass, fixed sanitary ware, ceramic hobs in fixed kitchen furniture
Breakage or collapse of satellite, television- receiving or television aerials
Accidental damage to cables and underground pipes

Your liability as OWNER of the buildings and land, but not as occupier
Prior ownership of property under the Defective Premises act 1972
Liability assumed under contract or injury to your family or damage to your own property is not covered.

The cost of reasonable alternative accommodation, ground rent or loss of rent due to you if the home be uninhabitable after an insured event
Replacing locks if keys lost or stolen (check your policy as some limit it to theft only)
Tracing Leaks in water pipes
Index linking - increase the sums insured each year
Selling your home - if you have contracted to sell your home at the time of the claim the buyer will have the benefit of the policy

This is a guide only. As is usual - refer to your own policy or ask your broker if you have any queries about the cover under your own policy.