Building insurance

The policy includes cover for damage to the structure and communal parts of the building caused by:

• fire, explosion lightning or earthquake
• smoke
• riot, civil commotion, strikes, labour or political disturbances
• malicious damage
• collision by aircraft, other aerial devices, any vehicle (or articles dropped from them), or animal
• storm or flood
• escape of water from any fixed tank, fish tank, pipe or appliance and damage caused by bursting or freezing
• falling trees or branches (and removing fallen trees or branches that cause damage to the buildings), or telegraph poles or lampposts
• theft or attempted theft
• subsidence or ground heave of the site on which the buildings stand, or landslip
• leakage of oil from any fixed oil-fire installation, including smoke and/or smudge damage arising from defective vaporisation
• breakage or collapse of television or radio signal receiving apparatus

You are not covered for day-to-day maintenance or repairs caused by wear and tear.