Key Features of Cover
| Garden Cover |
Limits |
| Loss or damage to garden contents |
£10,000 in one policy year |
| - limit per plant, tree or shrub |
£500 |
| - limit per statue/ornament |
£2,500 |
| - limit for garden furniture |
£2,500 |
| Re-landscaping fees |
Up to £2,500 |
| Ride-on lawnmowers |
Up to £2,500
(unless a higher limit specified on schedule) |
| Extended cover for gardening equipment in locked outbuildings |
Up to £5,000 |
| Storm damage for fences and gates |
Up to buildings Sum insured |
| Buildings |
Limits |
| Buildings Sum Insured |
Minimum £35,000 |
| Property Owners' liability |
£2,000,000 |
| Cost of alternative accommodation |
Up to 20% of sum insured |
| Breakage of fixed glass and sanitary fittings |
Automatically included |
| Accidental Damage |
Automatically included |
| Contents |
Limits |
| Contents in the home sum insured |
Minimum £15,000 |
| Contents temporarily removed |
Up to 20% of sum insured |
| Theft From: |
| - Garages |
Up to contents sum insured |
| - Outbuildings |
Up to £5,000 |
| - The Open |
Up to £2,500 |
| Valuables overall limit |
40% of contents sum insured |
| Valuables single article limit |
£2,000 or 5%, whichever is greater |
| Occupiers liability |
£2,000,000 |
| Employers liability |
£10,000,000 |
| Tenants liability |
Up to 20% of sum insured |
| Home office equipment cover |
Up to £5,000 |
| Frozen Food |
Up to £1,000 |
| Accidental damage cover to |
| - Audio, video & computer equipment |
Automatically included |
| - Mirrors and glass furniture |
Automatically included |
| Cost of alternative accomodation |
Up to 20% of sum insured |
Personal possessions
in and away from the home |
Limits |
| Clothing and personal effects |
Minimum £1,500 |
| Single article limit |
£1,500 |
| Specified Items |
| - Valued at £1500 or over |
Sum insured as selected |
| - Pedal Cycles |
Sum insured as selected |
| - Money |
£500 |
| - Credit Cards |
£1,000 |
Personal possessions
in and away from the home |
Limits |
| - Credit Cards |
£1,000 |
| Legal Expenses cover |
Up to £30,000 |
| Excess |
£50 all claims, increasing to £1,000 in respect of subsidence |
| Insurers |
Zurich Insurance
Norwich Union |
| Tailored wider cover is available |
Please ask us for details |
| This is a summary of the cover only. A full copy of the policy is available on request |
RHS Home and Garden Insurance is a trading name of
Alan Boswell Insurance Brokers Limited.
Alan Boswell Insurance Brokers Limited is authorised and regulated by the Financial Services Authority.
Alan Boswell Insurance Brokers Limited is registered in England No. 02591252.