Buildings cover - standard

Choose the standard buildings cover and your Chelsea Home Select policy will insure the bricks and mortar of your home against:

• fire, smoke, lightning, explosion, earthquake
• storm, flood or damage caused by the escape of water or oil
• subsidence, heave, landslip
• falling trees, branches and television or radio aerials
• aircraft or anything dropped from them, vehicle or animal impact
• theft, vandalism and riot
• property rebuilding costs up to £500,000
• trace and access cover

You are also covered for limited accidental damage including:

• the breakage of fixed glass such as windows and doors, and bathroom sanitary fixtures
• damage to drainpipes, cables and underground tanks (for which you are legally responsible)

Your policy also includes cover for any legal liability arising from the ownership of your property.

To qualify for the policy your property must be a private house occupied solely for domestic purposes - built of brick, stone or concrete and roofed with slates, tiles, concrete, asbestos or metal. The estimated rebuilding cost of your property, when you took out your mortgage, must not have exceeded £500,000. Full details are contained in the policy wording a copy of which is available on request.

As with all insurance policies there are certain things that our insurance does not cover such as:

• storm or flood damage to fences and gates
• loss or damage from certain causes if the property is left unfurnished for more than 30 days or unoccupied for more than 60 days. For example damage caused by escape of water, theft or malicious acts
• normal household maintenance and wear and tear
• £1,000 excess for subsidence loss or damage

In the unlikely event that your buildings sum insured is inadequate, Chelsea Home Select rebuilding cost guarantee will pay the full cost of the damage, subject to the terms and conditions in the policy.

Should you require full accidental damage please select Buildings cover - optional.

To request an instant quotation or to apply for immediate cover, call our dedicated Insurance team on 0800 389 4607. Quotations are given without advice, providing you with information on the Chelsea Home Select policy and its features and benefits.

Calls may be recorded and/or monitored. Lines are open 9am-8pm, Monday to Thursday, 9am-5pm Friday and 9am-12 noon on Saturdays.