Home Insurance Flashcards
What happens if a client’s house gets broken in to?
Replacement of locks of outside doors, safes and alarm systems
Replacement of locks of outside doors, safes and alarm systems - If keys are lost: up to £1,000. If keys are stolen: total cost up to sum insured.
What happens if something happens to my house? How much do I get!
Alternative accommodation for you, your family and domestic pets, if your home can’t be lived in: up to £75,000 or 25% of the insured rebuild cost, whichever is more.
How long is the warranty for workmanship?
3 year warranty against the quality of workmanship for building repair works to insured damage carried out by our approved contractors*.
How much compensation can I get to help with the cost of legal representation? And what help do I get?
Personal legal expenses cover to provide you or your family living at home with advice and help with the cost of legal representation - including a 24 hour advice helpline: up to £50,000.
How much do I get for leaking water or oil? What’s the process called? (Home)
Trace and access - the cost of finding the source of leaking water or oil used in central heating: up to £10,000.
What damage is covered in the home?
Accidental damage to fixed glass, ceramic hobs or sanitary ware in your home.
Are credit cards covered?
Unauthorised use of credit cards: up to £10,000.
What contents are covered?
Home entertainment equipment covered for accidental damage: up to one third of the total amount insured or £10,000, whichever is more.
Anything for students?
Damage to student belongings away from the home: up to £7,500.
How much do I get for theft from Outbuildings?
Theft from outbuildings: up to £5,000.
How much for Damage to contents normally in your garden?
Damage to contents normally in your garden: up to £5,000.
How much for damage to trees, shrubs and plants?
Damage to trees, shrubs and plants: up to £2,000 in total, £250 per item.
Money in the home?
Money in the home: up to £2,500.
What optional features can I pay for? (Home)
Home Emergency Cover** - providing cover up to £1,000 per claim.
Personal belongings away from home.
Full accidental damage.
What’s not covered? (Home)
Any excess, which is the amount you’ll need to pay towards a claim. Your policy documents will outline where these apply.
Damage or loss caused by lack of general maintenance, wear and tear, and loss of value over time.
Connected services such as drainage system or sewage tank; boiler and heating systems are covered under optional Home Emergency, where a 1 year repair guarantee is provided.
Any costs of replacing, repairing or restoring your buildings and contents above the amount you’ve insured them for.
Storm or flood damage to gates or fences.
Personal belongings away from your home.
Damage caused by domestic pets.
Student belongings stolen from an unlocked room.
**Accidental damage to contents normally kept in your garden.
