All of your or your family’s belongings or property which you or your family own or are legally responsible for, which are kept in your home and gardens, these are:
- furniture, fixtures and fittings which can be easily removed and reused such as carpets and curtains;
- household goods and domestic appliances that can easily be removed and reused;
- personal possessions and gadgets;
- high risk items up to the limits shown on your schedule;
- personal money and credit cards up to the limits shown in the policy;
- aerials, satellite receiving equipment or masts fixed to or in the home;
- business equipment up to £5,000;
- plants, trees, flowers and shrubs in moveable pots or containers.
Contents does not include:
- parts, spares or accessories for any item listed below;
- any motorised vehicle; either electrically or mechanically powered, other than:
- battery or pedestrian operated models or toys;
- domestic gardening equipment;
- golf carts, trolleys or buggies;
- vehicles which are designed to assist disabled persons and are not registered for road use such as mobility scooters;
- any form of aircraft (including models) and any type of drone;
- hovercraft, boats, boards or any other craft or equipment designed for use in or on water;
- caravans;
- horse boxes;
- any form of trailer; or
- deeds (other than as provided by paragraph 3 page 30 of section 2 – Contents), securities, documents;
- Personal money (other than as provided by paragraph 14 page 28 of section 2 – Contents) or credit cards (other than as provided by paragraph 14 page 28 of section 2 – Contents);
- wooden, laminate or vinyl floor coverings;
- landlords’ fixtures and fittings;
- any living creature;
- plants, trees, flowers and shrubs;
- mobile phone airtime;
- marquees and their accessories.