This is a specialist page for Zurich Home insurance and buildings contents insurance. Disclaimer The following details are not an endorsment of Zurich Home insurance; we encourage you to shop around before you choose your home insurance provider.

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• Buildings insurance
  Protect your home and save money with Zurich's extensive buildings insurance. Your cover includes:

  • Fire, explosion, lightning and earthquake
    
  • Falling trees (from your own or neighbouring properties)
    
  • Storm and flood (excluding gates, fences or railings)
    

The following provides a summary of the significant features, benefits and limitations of the cover provided by the Zurich Insurance Company Home Solutions policy. The full terms, conditions and exclusions are shown in the policy document.

Your Contents cover may require you to install and use various security protections when the home is unattended or at night. 00.00000000

What cover do I have?

The sections of cover you select are shown in your policy schedule.

How long is it for?

Your policy cover will normally run for 12 months and is renewable annually.

What cover is available?

The Home Solutions policy provides the following cover options:

Buildings - the structure of your home.
Garden cover - the plants, trees, lawns and garden ornaments in your garden.
Contents - the contents of your home plus other related cover
Personal possessions - the personal items you take away from the home
Legal expenses - the cost of specified personal legal actions
Caravan - your touring caravan

Details of the key features of each section you may select are listed below.

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Summary of cover and limits

The page numbers shown in brackets beside each section of cover are the page numbers in the policy document.

Buildings and Contents sections

These are insured against the following major events: fire, explosion, lightning, earthquake, riot, malicious damage, collision by vehicles, aircraft or animals, storm or flood, theft or attempted theft, subsidence, landslip or heave, water or oil leaking from any fixed appliance, pipe or tank, falling trees, breakage of glass and sanitary ware, falling and breakage of radio and television aerials and dishes.

Buildings section (pages 3 & 4)

This covers the structure of your home and any permanent fixtures and fittings such as kitchen units and bathroom suites. It also includes cover for garages and other domestic outbuildings, walls, gates and fences as well as drives, paths and terraces at the home.

Sum insured	The sum insured  selected by you
Accidental damage (e.g. putting a foot through a ceiling)	If selected by you
Legal liability as owner	£2,000,000
Alternative accommodation and loss of rent	20% of the buildings sum insured
Lock replacement	No inner limit
The costs involved in tracing a leak	£5,000
Professional, demolition or local authority fees and expenses	Included in the Buildings sum insured
Emergency Access	£1,000

Contents section (page 5, 6 & 7)

This covers household goods, personal property, valuables, pedal cycles and office equipment in your home and while temporarily removed plus extra cover shown in the table.

Valuables are articles of gold, silver or other precious metal, jewellery, watches, furs, pictures or other works of art, collections of stamps or coins.

Contents do not include vehicles and craft, and their accessories other than removable audio and satellite navigation equipment not in the vehicle.Deeds and documents including those showing ownership of financial investments, animals, specifically insured items or any part of the buildings.

Vehicles and craft are electrically- or mechanically-powered vehicles, caravans, trailers, watercraft including surfboards, hovercraft, aircraft, all-terrain vehicles or quad bikes (but not domestic gardening equipment, battery-operated golf trolleys or wheelchairs, battery- or pedestrian-operated models or toys).

Sum insured	The sum insured selected by you
Accidental damage (e.g. spilling wine on a carpet)	If selected by you
Valuables limit	40% of Contents sum insured
Valuables single article limit	£2,500
Money and credit and debit cards in the home	£500
Pedal cycle including accessories in the home	£500 any one cycle
Office equipment	£10,000
Loss of oil or metered water	£1,000
Visitors' & employees' contents	£250
Theft of contents from garages and outbuildings	£5,000
Legal liability to domestic employees	£10,000,000
Occupier's and personal legal liabilities	£2,000,000
Contents in the open	£1,000
Temporary removal	£5,000
Removal to your new home	No inner limit
Gifts - additional cover	£5,000
Tenant's cover	£10,000
Jury service	£50 a day - maximum £1,000
Alternative accommodation	£10,000
Lock replacement	No inner limit
Fatal accident	£10,000
Food in freezer or refrigerator	No inner limit
Prams and wheelchairs including accessories	£500 any one pram or wheelchair
Title deeds	£1,000
Downloaded music and other information	£2,500

Other optional covers you may have insured are shown in the tables below.

Garden cover

Covers flower beds, trees and other plants, lawns and garden statues against specified events such as storm, theft or malicious damage

£1,500

Personal possessions section

These are specified and unspecified personal items made to be worn, used or carried about the person including sports equipment and pedal cycles.

Cover accidental loss or damage anywhere in the world
Unspecified personal possessions	The sum insured selected by you
Single article limit	£1,500
Money and credit and debit cards	£500
Unspecified pedal cycles including accessories	£500 any one cycle
Specified items	The sum insured selected by you

Legal expenses

Covers costs to:

Pursue or defend legal action by or against a third party for disputes relating to goods and services, including your permanent home. Pursue legal action against a third party for disputes relating to personal injury, clinical disputes, your home, your employment and the misuse of personal information about you. Defend legal action relating to a motoring prosecution. Represent you in an inquiry by the Inland Revenue into the amount of tax you have to pay on your wages or salary.

The most Zurich will pay is £50,000 any one claim. If your claim is covered, Zurich will appoint an approved specialist solicitor who is expert in the law relating to your problem in your name and on your behalf.

Zurich provide a Legal helpline to get telephone advice on any personal legal problem 24 hours a day, 365 days a year.

Caravan

Covers accidental loss or damage anywhere in Great Britain or Europe
Caravan including fittings, fixtures and furnishings	The sum insured selected by you
Legal liability	£2,000,000
Alternative accommodation	£15 a day up to £300

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What is not insured

This is a summary of the major exclusions or restrictions and where you will find them in your policy document. The page numbers shown in brackets are the page numbers in the policy document.