Non Standard Residential
- Non-standard Construction
- Grade 2 Listed Properties
- Subsidence including underpinned properties
- Criminal convictions
- Adverse financial history
- Adverse claims history
- Works and Renovations
- Risks that have been previously declined
- Extended Unoccupancy
- Property with Lodger(s)
- Standard Household
- Damage cover extended to additional items such as solar panels, sanitary ware, domestic and underground pipes and cables.
- Costs of alternative accommodation or compensation for loss of rental income following an insured event.
- Costs needed to repair or replace damaged parts of the premises as a result of sourcing and accessing leaks in respect of escape of water (limited to £2,500 any one period).
- Contents temporarily removed for reasons such as being valued, cleaned or repaired.
- Increased domestic water charges following an escape of water claim (limited to £1,000 any one period).
- Replacement of locks or safes following loss of keys (£500 limit any one period).
Optional Covers Available for Owner Occupied:
- Legal Expenses Cover
- Home Emergency Cover
Maximum sum insured is £2,000,000 any one risk
Property Owners Liability up to £5,000,000 any one risk
Optional Covers Available for Owner Occupied
- Thatched properties
- Any property with Japanese Knot Weed
- Grade 1 or A Listed Properties
- Construction with Asbestos
- Wimpey No Fines Construction
- Demolition Works