Personal Products

Household

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

Compare cover

Home insurance cover levels!

Household buildings and contents cover

Yes

Legal Liabilities

Up to £2m.

Yes

Alternative accommodation

Up to 25% of total sum insured.

Yes

Locks and keys

Cover if keys are stolen and locks need replacement.

Yes

Freezer food

The loss of food if your freezer breaks down.

Yes

Working from home (clerical)

Personally owned computer and clerical equipment.

Yes

Student possessions

Covered for up to £500 single item and £2,500 any one occurrence.

Yes

Water leaks

Water and oil leaks covered as standard.

No

Trace and access

PPP buildings and contents cover

Yes

Legal Liabilities

Up to £2m.

Yes

Alternative accommodation

The total cost of reasonable alternative accomodation during any insured works.

Yes

Locks and keys

Stolen or accidentally lost up to £1,000.

Yes

Freezer food

The loss of food if your freezer breaks down.

Yes

Working from home (clerical)

Personally owned computer and clerical equipment.

Yes

Student possessions

Covered for up to £1,000 single item and £7,500 any one occurrence.

Yes

Water leaks

Water and oil leaks covered as standard.

Yes

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

Yes

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.

No

Fine art and antiques

No

Precious metals

No

Small craft

No

Caravan cover

No

Horses and Ponies

No

Travel Cover

PPP buildings and contents cover

Yes

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.

Yes

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.

Yes

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.

Yes

Small craft

Up to a value of £2500.

Yes

Caravan cover

Fixtures and fittings, awnings, furniture, furnishings and utensils, recovery and re-delivery and loss of use provision.

Yes

Horses and Ponies

Animal(s) and equipment cover

Yes

Travel Cover

For members of the Insured household under 70 years of age at the time of travelling