Home insurance - perils & exclusions

Most, not all, buildings insurance policies cover damage to your home by the events listed. Please note that you must check your own policy for a definitive list of perils covered by your insurance.

- Fire
- Aircraft or things falling from them
- Lightning
- Subsidence, heave and landslip
- Explosion
- Falling trees or branches
- Earthquake
- Impact by vehicles or animals
- Theft
- Breakage or collapse of aerials
- Riot and malicious persons
- Escape of water from tanks or pipes
- Storm and Flood
- Escape of oil from fixed heating installations

All insurance policies have exclusions and excess.

Exclusions are events that are not covered. Some of these exclusions are obvious, and some are less obvious. You must read your policy for a complete list of exclusions on your policy.

You are often expected to pay the first part of a claim yourself, up to a preset fixed sum - this is called the 'excess'. A policy may have different excesses for different perils. You must read your policy for detail onthe excess(s) on your policy.

Read the first article of this series

Read the next article of this series

Read a basic guide of this market

notice . . .