Buildings cover is for the structural building along with permanent fixtures and fittings e.g. bathroom suite, fitted kitchen, fitted wardrobes, stair lifts, patios, sheds, fences etc.
Contents cover is for all items and belongings which can be easily removed e.g. personal belongings, furniture, sofas, clothing, carpets, curtains etc.
The table below gives you some examples of specific items and if they are covered under our home insurance products.
|
Item |
Is it covered? |
Further Info |
|
Professional photographers equipment |
No – if the customer uses it for their business Yes – if the customer uses it for personal use only |
This is not covered under home insurance if it is equipment used for business purposes which also falls outside of the business equipment definition. |
|
Gamekeepers guns |
No – if the customer uses it for their business Yes – if the customer uses it for personal use only |
This is not covered under home insurance if it is equipment used for business purposes which also falls outside of the business equipment definition. |
|
Hot tubs |
Yes – if permanently fixed No – if not permanently fixed |
If permanently fixed, hot tubs are covered under buildings insurance. |
|
Kayaks |
No |
Contents does not cover hovercrafts, boats, boards or any other craft or equipment designed for use in or on water. |
|
Drones |
No |
Contents does not cover any form of aircraft (including models) or any type of drone owned by the customer. |
|
Camping Equipment |
See notes |
Camping equipment and gazebos are covered under home insurance whilst being stored in the home. If the customer has our Premier product Gazebos are also covered under Contents in the Open/Garden up to £2,500. Camping equipment is not covered away from the home even if the customer has taken out optional Personal Possessions/All Risks. |
|
Sports Equipment |
Yes |
Sports equipment is covered but not whilst in use. |