Home Insurance policy limits

This is a summary of the limits applying to your policy. Please read this in conjunction with the policy booklet.


Alternative accommodation £75,000
Emergency Entry Unlimited
External door locks £1,000
Glass and sanitary ware Unlimited
Professional fees, clearance costs and local authority requirements Unlimited
Sale of your home Unlimited
Trace and access £5,000
Underground services Unlimited
Your liability as the owner of your home £2,000,000
Your liability as the owner of your previous homes  £2,000,000


Contents and Personal Possessions

Alternative accommodation £10,000
Anniversaries Contents sum insured plus 10%
Birthdays Contents sum insured plus 10%
Births Contents sum insured plus 10%
Contents in your garden £2,000
Contents in your outbuildings £2,000
Contents which are temporarily removed from the home £7,000
Deeds and documents £2,500
Domestic staff - your liability as their employer £10,000,000
External door locks £1,000
Fatal accident benefit £5,000
Freezer and refrigerator contents £1,000
Household removal Contents sum insured
Metered water, oil or liquid petroleum gas £2,000
Mirrors and glass Contents sum insured
Money £750
Nursing home £5,000
Office equipment £10,000
Pedal cycles £500 unless specified item
Personal Possessions in a locked Motor Vehicle £750
Personal liability and your liability as occupier of your home £2,000,000
Religious festivals Contents sum insured plus 15%
Students contents £5,000
Visitors effects £2,500
Wedding gifts Contents sum insured plus 10%
Your liability as a tenant £10,000


Family Legal Protection

£50,000 legal fees

Home Emergency

We will pay, subject to an overall limit of £500, including VAT per claim for the call out charge, labour costs and parts and materials. This is subject to a £25 excess

£500 including VAT per claim

Pest Cover

For the extermination and/or control of:

Bedbugs (up to 3 treatments in one infested area in the home). Up to £200 incl. VAT per claim
Wasps and/or hornets nests, rats, mice and grey squirrels. Up to £150 incl. VAT per claim