• Accidental loss and damage to buildings, outbuildings, paths and fences
• Storm damage to hedges, gates and fences
• Contents of communal areas of the building, including carpets
• Property owners' liability
• Employers' liability
• Loss of metered water
• Cables and underground services, including septic tanks
• Costs incurred in tracing and accessing damaged service pipes
• Architects' and surveyors' fees during reinstatement
• Loss of rent and alternative accommodation - including pets
• Replacement locks following theft of keys
• Gardening equipment
• Damage to gardens caused by emergency services
• Legal fees for removal of squatters
• Removal of bees or wasps' nests
• Cover for temporarily unoccupied flats
• Terrorism cover is available on request

Plus:

• FREE legal & technical help line
• Option to pay by monthly instalments
• Monthly index-linked adjustment of sums insured
• 24-hour glass and lock replacement