What’s included with Insurance Corporation home insurance. The cheapest cover it is not always the best. Our cover includes all these benefits as standard:
Buildings cover
Standard buildings cover protects all your buildings (including garages, greenhouses, outbuildings, patios, drives, hedges and much more) against causes of damage such as
Fire, lightning, explosion, earthquake or smoke
Storm or flood
Riot or civil commotion, malicious acts or vandalism
Theft
Subsidence
Falling trees
Breakage of fixed glass and sanitary ware
Accidental damage to cables and underground tanks that are used to provide services to or from your home.
Contents cover
Standard contents cover protects all your contents (including household goods, high risk items, personal possessions, personal belongings, clerical business equipment and much more against causes of damage such as
Fire, lightning, explosion, earthquake or smoke
Storm or flood
Riot or civil commotion, malicious acts or vandalism
Theft
Subsidence
Falling Trees
Accidental damage to TV’s satellite, video, audio equipment and computer equipment while in your home
Breakage of mirrors and glass in furniture
Personal Possessions
Clothing and personal effects
Pedal cycles
Sports equipment
Student personal possessions (cover is given up to £2,500 per student, subject to a single item limit of £500 (unless otherwise agreed with us).
Personal money and credit cards
Mobile phones and portable computers, including their accessories
Liability cover
Owners Liability to the Public - £2,000,000
Third Party Liability - £2,000,000 for third parties & £10,000,000 for domestic employees
Tenants Liability
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Home insurance cover levels!
Household buildings and contents cover
Legal Liabilities
Up to £2m.
Alternative accommodation
Up to 25% of total sum insured.
Locks and keys
Cover if keys are stolen and locks need replacement.
Freezer food
The loss of food if your freezer breaks down.
Working from home (clerical)
Personally owned computer and clerical equipment.
Student possessions
Covered for up to £500 single item and £2,500 any one occurrence.
Water leaks
Water and oil leaks covered as standard.
Trace and access
PPP buildings and contents cover
Legal Liabilities
Up to £2m.
Alternative accommodation
The total cost of reasonable alternative accomodation during any insured works.
Locks and keys
Stolen or accidentally lost up to £1,000.
Freezer food
The loss of food if your freezer breaks down.
Working from home (clerical)
Personally owned computer and clerical equipment.
Student possessions
Covered for up to £1,000 single item and £7,500 any one occurrence.
Water leaks
Water and oil leaks covered as standard.
Trace and access (fix damage caused by a leak)
Coves both water and oil up to a maximum of £25,000 per occurrence.
Special Covers!
Household buildings and contents cover
Special event
Gifts and or wedding gifts – during December and for one month before and one month after the wedding of a member of your household – up to 20% increase on your contents sum insured.
Fine art and antiques
Precious metals
Small craft
Caravan cover
Horses and Ponies
Travel Cover
PPP buildings and contents cover
Special event
Gifts and or wedding gifts – during December and for one month before and one month after the wedding of a member of your household – up to 20% increase on your contents sum insured.
Fine art and antiques
New acquisitions - up to 25% of total sum insured or £150,000 (whichever is the lesser) up to 45 days of purchase date.
Precious metals
New acquisitions - up to 25% of total sum insured or £75,000 (whichever is the lesser) up to 45 days from purchase date.
Small craft
Up to a value of £2500.
Caravan cover
Fixtures and fittings, awnings, furniture, furnishings and utensils, recovery and re-delivery and loss of use provision.
Horses and Ponies
Animal(s) and equipment cover
Travel Cover
For members of the Insured household under 70 years of age at the time of travelling