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Your lender will require you to insure the building that you have a mortgage on for its rebuild cost.
It will cover such events as storm damage, escape of water and fire.
You can add accidental damage to buildings for an additional premium to cover breakage of glass or any other damage caused that is an accident by you.
This will provide cover for all of your furniture, electrical items, and anything else that would be in the property.
Standard events such as storm damage, fire, theft, escape of water are covered.
You can select from 2 types of policy which are full replacement value or for a cheaper premium a deduction is made for wear and tear.
Both of these can have accidental damage added as an additional premium to cover accidents such as spillage of paint or dropping televisions.
It will not cover damage done by any of your pets.
All risks cover handles expensive items you take out of your home such as laptops, valuable watches and jewellery will need to be covered under all risks.