Home Insurance Summary
Protection for your house and its contents
At Liberty Insurance we offer a range of insurance cover for your home and its contents. We also include home emergency assistance cover if you have both buildings and contents covered. Find out more about home emergency assistance.
Buildings Insurance Cover
Buildings are defined as the Private Dwelling including domestic outbuildings, garages, greenhouses, swimming pools, tennis courts, hot tubs, septic tanks, fuel tanks, terraces, patios, decks, driveways, footpaths, walls, fences, gates, hedges and fixtures and fittings. The home insurance policy provides cover for loss or damage to the Buildings caused by any of the following insured risks (subject to the terms, conditions and exclusions of the policy):
As part of our buildings insurance we cover:
- Fire, lightning, earthquake and explosion
- Aircraft
- Theft or attempted theft
- Leakage of oil from any fixed heating installation
- Bursting, leaking or overflowing of water tanks, apparatus or pipes
- Storm and flood
- Falling trees
- Impact with the Buildings by vehicle, trailer or animal
- Riot, civil commotion, labour and political disturbances, vandalism and acts of malicious persons
- Subsidence or heave of the site on which the Buildings stand or landslip
Contents Insurance Cover
Contents are defined as household goods, valuables, sports equipment and personal effects belonging to you (or which are your responsibility) or belonging to members of your family or any other person (excluding tenants) permanently residing with you. The policy provides cover for loss or damage to the Contents caused by any of the above insured risks.
Accidental Insurance Cover
Accidental Damage is an optional extension to the Buildings and Contents cover which covers accidental loss or damage to Buildings and Contents subject to the terms, conditions and exclusions of the policy.
Home Insurance Policy