This additional section covers pedal wheels in case of loss or damage up to £500 per pedal cycle. We may be able to insure cycles worth over £500 if the make, model and frame number are provided. Please have this information handy when you call us. Remember, it`s your responsibility to make sure you have adequate coverage. If that`s not enough, you may not get back the full amount of a claim you made or your policy may be invalid. Use our life insurance calculator to find out how much coverage you need. No. We do not cover professional use at home unless it is pure paperwork, computer work or phone calls. If more than one coverage service applies to a damage event, only one deductible will be applied. In the case of different deductibles, the higher deductible applies.

Accidental damage covers you for small incidents, such as: Putting your foot through a ceiling (building) or spilling wine or paint on your carpet (contents). It`s standard on our Home Cover Extra policy, and you can add accident cover to our Everyday Home Cover policy for an additional premium – check out our additional coverage options for more information. www.legalandgeneral.com/home-insurance/flood-re/ For an additional premium, you can add family legal protection to your policy, where you are covered for the costs of certain legal proceedings, such as: Protect your loved ones and plan for the unexpected. Find out what types of coverage we offer to cover you and your family. Items that you normally carry or carry with you may be covered by adding out-of-home coverage to your policy – you will need to verify that your items meet our criteria and provide us with the insured amount you need. A breach of your employment contract. You are also insured for defense costs in legal proceedings, such as: Our home insurance covers the contents of your belongings and personal belongings against loss or damage during your stay at home. It includes everything you would normally take with you when you move, including, for example, furniture, kitchen appliances, curtains, bedding, clothing, TVs, computer equipment, and jewelry. Search for and access to water or oil leaks involves covering the costs associated with finding the source of a water spill or oil leak.

This includes replacing or repairing walls, floors or ceilings (including furniture attached to them) inside the dwelling, if this is done as part of these surveys. When you purchase our home cover, you can also customise your policy with additional insurance options, such as: If you need insurance for individual items over £1,500, these must be declared as part of our valuables cover. Our daily home insurance policy does not cover bikes inside the house. Your mobile phone may be covered by the policy content area, but if it is lost or stolen outside the home, you will need to fill out the Coverage section away from home. We won`t cover your phone if it gets lost in your home. This coverage is not available with our daily home insurance policy. Home insurance is designed to cover certain unforeseen events, such as loss or damage caused by incidents such as storm fires or theft. But it doesn`t cover everything. For example, it does not cover general wear and tear or damage that occurs gradually over a period of time. To learn more about what is and isn`t, see your insurance product backgrounder and insurance brochure.

If you cancel this policy within 14 days of the start or renewal date, or receipt of your insurance documents, whichever is later, we will refund the unused period of coverage. Some accidental damage is included as standard in our additional policy, such as fixed glass and sanitary ware under the cover of the building or televisions and music equipment under the cover of the contents. You can also add extended accident coverage under Building & Content. This would cover incidents such as stepping through the ceiling, under the building or red wine on the carpet under the contents. The sum insured for the buildings should be enough to cover the costs of rebuilding your home. It is disproportionate to the market value of your home. We offer cover under our Home Cover Extra and Everyday Home Cover policies for reconstruction costs of up to £1 million. Our building insurance covers loss or damage to the structure of your home and residential buildings (such as sheds, garages and greenhouses).

These include walls, fixed furniture, gates and fences, walkways and terraces. If you own your own home, you are generally expected to insure the buildings. If you rent your home or have a lease, the landlord or landowner is usually responsible for insuring the property. Limitations and exclusions apply, for example, we do not cover boilers or hot air units older than 8 years and routine daily home maintenance. Please refer to the policy brochure for details on coverage and what is not included. We usually need it if your valuable item is over £10,000 or if you make a claim. More information on high-risk positions and coverage limits can also be found in the policy booklets. If you need coverage for your bike inside and outside your home, you can insure it as an additional coverage option – limitations and exclusions apply.

Our Home Cover Extra policy covers bicycles as part of the contents of the home, garage and residential buildings – limitations and exclusions apply.