All our home insurance policies include the following as standard:

• Fire, smoke, explosion, lightning and earthquake cover
  Storm and flood cover
• Theft or attempted theft
• Riot and civil commotion, strike, labour or political disturbance
• Malicious damage and vandalism
• Subsidence or landslip causing the building or part of it to collapse
• Escape of water or oil from any fixed water or heating installation or domestic appliance
• Impact involving an aircraft, a train, vehicle or animal
• Falling trees, branches, telegraph poles or lamp posts and the cost of removing any that cause damage to the home

Accidental damage cover for damage to your buildings
and/or contents:

• Accidental damage covers the repair or replacement of items damaged by events such as accidentally knocking over your TV or accidentally damaging the ceiling while in the loft

Specified cover for valuable items:

• This cover is for individual items worth more than £5,000. Our standard contents cover includes protection for up
  to £30,000 of valuables with a maximum item value of £5,000
• Valuables include jewellery, watches, items made of gold, silver, or other precious metals, musical instruments and equipment, photographic equipment, spectacles, works of art, antiques, stamp, coin, and medal collections

Personal possession cover:

• Cover against theft, loss, or accidental damage for items worth less than £2,000 that you take away from home such as jewellery, watches and portable electronics
• Extended (over £2,000) single item cover is available for specified items under personal possessions

Additional cover for money/credit cards:

• Covers up to £500 for loss of money and the fraudulent use of lost or stolen credit cards within the British Isles, and up to 60 days worldwide during the insurance period

Additional cover for freezer foods:

• This is in addition to the £500 included in your contents cover, and your excess will not apply to this section

Additional cover for bikes:

• Our policies include £350 of cover as standard. You can increase coverage up to £10,000 with a maximum of £5,000 per bicycle

Family legal protection cover:

• Provides access to a 24-hour legal helpline for advice and assistance, covering costs incurred up to £50,000 during legal proceedings