Summary of benefits for householders

As brokers we offer a wide range of products each with slightly different features, but all of which include the following as a minimum:

  • Fire and other perils
  • Fire, explosion, auto-explosion and implosion, smoke damage, fire extinguishing and salvage costs, demolition and removal of rubble, reconstruction of documents
  • Atmospheric phenomena (lightning, flood, rain, hail, wind and snow)
  • Water damage (burst pipes and costs of finding a leak)
  • Other damages and benefits (vandalism, riots, strikes, impact, sonic waves, electrical damage, goods in freezers, trees and shrubs, aesthetic restoration, loss of rental income, temporary inhabitability)
  • Breakages (glass, mirrors, marble and granite worktops, sanitary ware)
  • Theft, burglary and robbery
  • Third party liability (including legal defence and bailbonds)
  • Emergency household assistance
  • “New for old” clause
  • Automatic indexation of sums insured

Other optional covers which vary from insurer to insurer include:

  • Liability cover for dangerous dogs
  • Legal protection
  • Limited “All Risks” extension
  • Vehicles parked in the garage
  • Damage caused to property by tenants