Insurance jargon can be confusing. Our glossary explains common insurance terms, so you can feel confident in finding the right cover, we've Got You Covered.
Insurance that can cover your home, belongings or both after an event included in the policy.
Buildings insurance covers the structure of your home, such as walls, roof, floors and permanent fixtures.
Insurance that can cover belongings in your home if they are stolen or damaged by an event included in the policy.
Flood risk is the chance that a property or area could be damaged by flooding.
Home insurance for properties at higher risk of flooding or that have flooded before.
A home with no one living there, often for a set number of consecutive days.
Cover for a home left empty for longer than a standard policy allows.
A protected property of special architectural or historic interest, with extra rules for changes and repairs.
Home insurance for listed properties where repairs, consent rules and rebuild costs may need extra care.
Home insurance for properties or owners that fall outside standard insurer rules.
Cover for homes insurers may see as harder to insure due to property, location, occupancy, or claims risk.
A home built with materials or methods outside typical brick, stone, concrete, tiled, or slate construction.
A home built with usual materials, often brick or stone walls and a tiled or slate roof.
Subsidence is when ground sinks and pulls a building’s foundations down.
Water damage caused by leaks or overflows from pipes, heating systems, tanks, toilets or appliances.
Cover that can pay to find a hidden leak and repair damage caused while reaching it.
Unforeseen, unintended damage to your home or belongings that your policy may cover.
Cover for temporary accommodation if an insured event makes your home unfit to live in.
The rebuild-cost limit for repairing or rebuilding the structure of your home.
The estimated cost to rebuild your property from scratch after a total loss.
Home emergency cover can help with urgent problems, such as a burst pipe, blocked drain or electrical failure, subject to the policy.
Damage caused by normal use, age, or gradual deterioration.
Optional home insurance cover for belongings you take away from home.
A valuable possession that may exceed your home insurance policy’s standard limit for one item.
