Buildings Cover

In addition to your house, outbuildings, greenhouses, conservatory, swimming pool, patios, hard tennis courts, driveways, footpaths, terraces, walls, gates, hedges and fences being protected, you are also covered for:

Accidental damage - this cover is automatically included which complements the perils of fire, storm, flood, theft, malicious damage, escape of water, impact and subsidence. You are also covered for underground cables, pipes and accidental breakage to fixed glass, double glazing and sanitary ware;

Loss of rent, architect and surveyors fees are covered up to 20% of the buildings sum insured;

Outdoor items

Property owner's liability, and defective premises liability are covered for up to £2,000,000;

The sum insured for buildings will be automatically adjusted to keep pace with inflation;

Cover includes the trace and access of leaking pipes at the home for up to £10,000.

You are not covered for the following, which are some of the main exclusions:

• Your chosen deductible
• Accidental damage when the Buildings are commercially let to a third party
• Outdoor items are not covered against storm or flood.