Basic cover offers insurance protection against loss or damage occurring from the following perils:
- Fire
- Bush fire
- Lightning
- Explosion
- Smoke
- Earthquake
- Storm, tempest, flooding
- Impact
- Bursting of pipes
- Aircraft
- Strike , riot or civil commotion
- Malicious damage
- Overflowing of water or oil tank
- Falling trees
- Burglary through intrusion
Without any additional premium, as long as the buildings are included under the policy, the following expenses are covered arising out of:
- Accidental damage to underground services
- Accidental damage to glass
- Architects and engineers fees
- Removal of debris
- Relocation expenses
- Loss of rent
- Detections and access
- Homeowners Public Liability
When contents insurance is also included under the policy, damage caused to the following is also covered:
- Equipment and machinery situated outdoors
- Outbuildings contents
- Items belonging to visitors
- In temporary transit
- Loss of water or fuels
- Replacement of locks
- Gardens and pathways
- Freezer contents
- Accidental death inside the home
- Public liability (owner’s) towards third parties