What is covered under Accidental Damage / All Risk in a Home Insurance Building Policy ?

Answer:

An optional extension if required under the Home Insurance Building Policy provides cover against unexpected and unforeseen damage or destruction to the Buildings.

 

A typical wordings is as follows 

 

It is important that you read the detail of your own Home Insurance Policy to ensure that the cover is in accordance with your requirements.

 

The following is for general information purposes.

 

Cover is provided for all other damage caused suddenly and unexpectedly by an outside force or destruction of the buildings not covered under a general perils cover.

 

Excluding

  • loss or damage caused by wear and tear: settlement and shrinkage, vermin, insects, fungus, weather conditions, or any damage which happens gradually.
  • loss or damage caused directly by your pet animals, or your pet birds
  • loss or damage caused by faulty workmanship materials or design
  • loss or damage after building alterations, renovations, extensions or repair
  • loss or damage excluded elsewhere under the building section of the policy
  • maintenance and normal decoration
  • loss or damage caused by subsidence or heave or landslip

 

Although the Accidental Damage / All risk extension extends the cover available it excludes gradually operating causes. It does not include for general wear and tear or maintenance

 

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What is covered under a Home Insurance Policy
◦ What is covered under a Building Policy
◦ What is covered under Accidental Damage Building Policy ?
◦ How do you calculate the Building Sum Insured
◦ Building Sums Insured for Listed Building / Period Properties?
◦ What is covered under a Contents Policy
◦ Other Cover Under A Contents Policy?
◦ What is covered under Accidental Damage Contents Policy ?
◦ How do you calculate the Contents Sum Insured?
How do I get a Home Insurance Quotation?
◦ What is a Home Insurance Proposal Form?
How do I make a claim under a Home Insurance Policy?
◦ What Happens When you make a Contents Claim?
◦ What happens when you make a Building Claim?
How do I make a Complaint under a Home Insurance Policy?
Home Insurance Forum
Home Insurance Useful Contacts
Home Insurance Glossary of Insurance Terms
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