Detached House Insurance – Coverage Summary
🧱 Buildings Insured: €300,000
📦 Contents Insured: €30,000
🔥 Standard Insured Perils Include:
🔥 Fire, lightning, explosion, earthquake, smoke
🌪️ Storm or flood
🛢️ Oil leak from fixed tank or container
✊ Riot, strike, civil commotion
🎭 Malicious acts or vandalism
🛠️ Theft or attempted theft
✈️ Vehicle/aircraft impact (including falling objects)
🐾 Animal impact
🌳 Falling trees, branches, aerials, satellite equipment
🔧 Extended Cover (Only with Building Insurance)
🔶 Solar Panels / Solar Water Heaters – Damage by Freezing of Water
✅ Covered if exposed or placed in outbuildings
🚫 Excludes:
🔶 €500 excess
🔶 Maximum of €1,000 per insurance period
🚫 General Exclusions
🔶 €100 minimum excess
🔶 Max. €500 per period of insurance for damage to certain tech
💻 Software loss/damage from:
🔶 Distortion, misfiling, or malicious erasure
🔶 Expired licenses
🔶 Lack of proof of legal purchase
📉 Policy Excesses Overview
A. Earthquake
🔶 1.5% of sum insured per item
B. Freeze / Water / Oil / LPG Escape
🔶 €500 excess per claim
C. Subsidence, Heave, or Landslip
❌ Cover deleted
🔶 If not deleted: €4,000 excess per claim
D. All Other Insured Losses or Damages
💵 €100 standard excess
📌 Note:
🔶 Cover for subsidence/heave/landslip is explicitly excluded from this policy
