Does Home Insurance Cover Theft In The UK?
Home insurance policies in the UK typically cover theft, provided it is not excluded from the policy. Theft is usually covered under contents insurance.
Some contents insurance policies in the UK will cover theft both inside and outside of your home. This means that if your personal possessions are stolen from your home or from your person while you’re out and about, you may be able to make a claim on your insurance policy to recover the value of the stolen items, up to the limit of your policy.
It’s important to note that most contents insurance policies will have limits on the amount that you can claim for individual items, as well as overall limits on the amount that you can claim. Some homes will need high value home insurance.
Does Home Insurance Cover Storm Damage?
Home insurance policies in the UK will usually cover damage caused by storms, including damage caused by strong winds, heavy rain, and lightning strikes.
Storm damage is generally covered under buildings insurance. Storm damage is not though considered to be the same as flood damage. If you live in a flood risk area, then you should look to purchase a flood risk home insurance policy.
Most buildings insurance policies in the UK will cover damage to the roof, windows, and walls caused by falling trees, debris, or other objects. Policies may also cover damage to outbuildings, such as sheds and garages, as well as damage to fences and gates on your property.
It’s important to note that the level of coverage and the specific events that are covered can vary between insurance policies, so it’s always a good idea to carefully review the terms and conditions of your policy to understand the coverage and any exclusions or conditions that may apply.
Does Home Insurance Cover Accidental Damage?
Home insurance policies in the UK may offer coverage for accidental damage, but it’s important to note that this coverage is not always included as standard and may need to be added as an optional extra or purchased as a separate policy.
Accidental damage cover may protect against damage caused by things like spills, stains, and breakages, as well as damage caused by accidental fires or floods.
Some buildings insurance policies may also offer cover for accidental damage, such as damage caused by accidentally drilling a hole in a wall or accidentally breaking a window, but this is not always included as standard.
Be sure to ask your home insurance broker about accidental damage coverage if it’s not clear whether it’s included in your policy or not.