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What does home insurance cover?


House insurance covers the following:
Buildings insurance -- damage to buildings;
Contents insurance - damage to contents;
All-risks cover -- loss or damage to valuables;
Liability insurance -- injury to others in or around your home, damage to other people's property.

Fire, explosion, lightning or earthquake;
Flooding, storm and subsidence, with some restrictions;
Riot, vandalism, or other violent acts;
Burglary or attempted burglary that results in property damage;
Water or oil escaping from a fixed appliance such as a water tank;
Vehicles, animals, etc, damaging buildings, walls, fences, etc;
Falling trees and branches

Storms affecting gates and fences;
Flooding or subsidence if your home is in an area where this is likely to happen;
Acts of terrorism;
Wear and tear in the structure or the inside of the property;
Any claim that is less than the excess