• Buildings and Contents (optional) are covered for loss or damage caused by the following insured perils: -

• Fire, Explosion, Lightning and Earthquake

• Smoke

• Riot, civil commotion, strikes, labour or political disturbances

• Malicious acts or vandalism

• Storm or Flood

• Water or oil escaping from any fixed domestic appliance or system including any costs in locating the source of any escape

• Frost damage to fixed water or heating systems in the home

• Theft or attempted theft

• Impact by road or rail vehicles, aircraft or animals

• Subsidence, Landslip or heave

• Accidental breakage of fixed, sanitary fixtures and ceramic hobs

• Accidental damage to any cables or underground service pipes servicing the home

• Metered Water

• Loss of rent due to you up to 20% of the sum insured for Buildings (or as stated in the schedule)

• Transfer of Interest

• Professional Fees and other costs

• Unauthorised use of electricity, gas or water

• Accidental Damage (optional for certain tenant types)

• Accidental Damage (optional for certain tenant types)

The Insurance will also cover any amount which you are legally liable to pay as compensation for accidental bodily injury to a person or loss or damage to third party property up to £1,000,000 or as stated on the policy schedule.