Home Insurance for Buildings and Contents
Eagle Star UK/UK
Zurich’s contents insurance not only covers all your household contents, it also goes further than you may expect. Cover includes: Fire, explosion, lightning, earthquake. The reasonable cost of replacing all food / drink in your fridge or freezer. Malicious damage. Replacement locks in case of loss of keys. Automatic increase of sum insured by £5,000 during December and January and also one month before and after the wedding day of you or a member of your family living in your household. Storm and flood damage. Escape of water or oil from pipes or tanks. Up to £2 million personal liability cover. Accidental damage to TV, hi-fi and video equipment. Up to £10,000 for office equipment used for your business purposes. A 24-hour hotline giving you instant access to emergency assistance.
AA UK/UK
AA home insurance cover benefits are (depending on policy type) for Buildings Insurance: Full replacement cost or repair, Full cover for accidental damage (eg putting your foot through the ceiling from the loft), Alternative accommodation if house uninhabitable due to an insured peril, Architects, surveyors and legal fees, Following loss or damage from an insured peril, costs associated with complying with statutory building regulations, Cover on both properties when moving house (certain restrictions apply), Property owners' third-party liability, Legal liability for properties previously owned, Legal helpline, Disaster helpline and Home emergency cover, which will cover the cost of emergency repairs in a variety of specified situations.
Contents Insurance: New for old basis, Accidental damage – television, video, audio and home computer equipment whilst in the home, Accidental damage – other non-portable electrical/gas appliances (eg microwave), Items in course of professional removal, Furniture in storage for up to 14 days, during course of removal, Contents normally in the open, within the property's boundaries, Items temporarily removed from the home, Freezer contents, Alternative accommodation, Legal helpline, Replacement door and window locks plus alarms/safes following loss or theft of keys, Money, Credit cards, Guests' personal effects, Christmas seasonal increases, Weddings increase, Personal liability, in and out of home, Domestic employees liability, Occupiers' liability, ie damage to a third party in and around the home, Unsatisfied damages in the event of policyholder being awarded damages but where third party cannot pay, Legal expenses cover, Loss of heating oil and Loss of metered water. Buildings and content insurance may be taken seperately or combined.
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