Home Insurance policy limits
This is a summary of the limits applying to your policy. Please read this in conjunction with the policy booklet.
Buildings
| Alternative accommodation and rent | £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 and rent | £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 (limit applies to theft only Claims) | £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 cover | £5,000 |
| Office equipment | £10,000 |
| Pedal cycles | £500 unless specified item |
| Personal liability and your liability as occupier of your home | £2,000,000 |
| Personal Possessions in a locked Motor Vehicle | £750 |
| Seasonal increase | Contents sum insured plus 15% |
| Students cover | £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 (Up to £10,000 for employment disputes) |
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 |