Loss or damage to buildings and contents caused by fire, smoke, explosion, lightning and earthquake and escape of water, or oil.

Loss or damage to buildings caused by subsidence, heave or landslip and falling trees/branches, telegraph poles or lamp-posts.

Physical Loss or damage directly caused by riot or malicious acts, storm, flood or hail.

Theft or attempted theft and impact involving aircraft, aerial devices or anything dropped from them, vehicles or animals.

Loss or damage caused by falling satellite dishes, receiving aerials and their fittings or masts.

Up to £1M sum insured for Buildings.

Public Liability up to £2M.

Accidental breakage of fixed glass and sanitary ware and fitted ceramic hobs.

Damage to underground services.

Loss of rent and the cost of temporary accommodation.

Damage to landscaped gardens.

Clearance of drains in consequence of an insured peril.

Cost of locating the source of damage caused by escape of water or oil.

Contents of common parts.

Accidental damage to buildings and contents in the residence