We've put together a handy table to show you exactly what is and is not covered by the tenants contents insurance policy.
Remember, the amount we’ll pay to replace your contents is specified by you in you application for insurance. If you under value your contents this will mean that if you claim you may not get the full value of your claim.
To work out how much cover you need, check out our do-it-yourself valuation sheet.
Is it insured?
| What we insure | What we do NOT insure |
|---|
| Loss or damage to contents in the home and it’s garages, outbuildings or gardens |
Damage from wear and tear, electrical and mechanical breakdown, or gradual deterioration |
| Replacement of external door locks if keys are lost or stolen |
Wet or dry rot |
| Accidental damage to audio, video or computer equipment in your home |
Storm damage to fences, gates and hedges |
| Personal liability - if you are found to be legally responsible for injury to a third party or damage to their property |
Certain losses and damage (e.g. from burst pipes) to buildings or contents when your home is unoccupied for more than the number of days shown on our Policy booklet |
| Tenant’s liability - if you’re held legally liable for damage to your landlord’s property (maximum up to 20% of the amount insured) |
Certain losses or damage (e.g. theft or malicious damage) caused by you, paying guests or tenants |
| Damage to freezer food caused by change in temperature (maximum - up to the amount insured) |
The cost of replacing undamaged items that form part of a pair, set or suite |
| No excess will apply (the amount you have to pay on any claim) |
Motorised vehicles, aircraft, boats, boards, caravans or trailers |
| Optional cover - insured |
Optional Cover - not insured |
| Contents accidental damage extension - covers most contents |
Accidental Damage - Damage caused by chewing, scratching or fouling by domestic animals |
| Personal belongings - Worldwide cover against theft, accidental loss or damage for clothing, mobile phones, tablets, handbags, jewellery and watches |
Personal Belongings - Damage to certain sports equipment while in use |
Are there any restrictions?
For certain types of cover, limitations may apply on how much can be insured and there may be clauses that exclude some types of loss or damage.
We don’t cover property that’s used for a business or profession (except certain home office equipment under contents cover) unless we have specifically agreed to do so.
Restrictions on your optional cover
- We don’t cover skis, boards, sub-aqua equipment, camping equipment, riding tack and hearing aids under the Personal Belongings option unless we have specifically agreed to do so
- We’ll only cover against the theft of pedal cycles if they’re properly secured when unattended
- Limitations apply to personal belongings stolen from an unattended vehicle
- Some of our accidental damage options don’t cover damage when your home is lent, let (or sub-let) or used by paying guests.
Where am I covered?
- At the home that you're insuring, as long as it’s located within the United Kingdom, Channel Islands or Isle of Man
- Away from home (within the British Isles). However, if you take out contents cover, limited cover applies for items temporarily away from the home
- Optional Accidental Damage Cover only applies inside your home, Optional Personal Belongings Cover, applies anywhere in the world.