Summary of Cover

Under the Home4Loan policy, buildings are covered for loss or damage caused by the following risks:

• Fire & smoke
• Explosion
• Lightning and thunderbolt
• Earthquake
• Riot strikes and labour disturbances
• Aircraft and other aerial devices or anything dropped from them
• Storm or flood (including overflow from the sea)
• Theft or attempted theft
• Escape of water from any fixed domestic water, drainage or heating installation including washing machines or dishwashers
• Impact by any motor vehicle / animal
• Breakage or collapse of television or radio aerials, externally fixed satellite receiving dishes, their fittings and masts
• Malicious acts or vandalism
• Falling trees, lamp posts, electricity, flag and telephone poles or any parts of them
• Architect’s and surveyor’s fees, debris removal and additional costs of reinstatement as a result of local authority requirements
• Breakage of fixed glass, sanitary fittings and ceramic hobs in fixed appliances