Table of Content
For a summary of cover, any limitations and significant exclusions, please view the Insurance Product Information Document . Get an enhanced lever of cover and personalised support from a dedicated team when you take out a Premier insurance policy. NatWest Home insurance policies are underwritten by U K Insurance Limited.
Mobile phone cover – theft and accidental damage cover in the UK and worldwide for up to 60 days per period of insurance for your mobile or smart phone. Includes up to £150 for any unauthorised UK calls or data usage following theft of your insured phone. Cover can be provided for phones that are up to four years old, from date of manufacture.
Which policy is for me?
You're covered for doing clerical work at home, such as using a phone and computer, and you don't need to call us about this. Yes, the policy will cover you for your liability as occupier of the building, your personal liability, and also your liability to your domestic employees. Yes, a domestic garage and outbuildings are covered if they belong to or form part of the property. You are not covered for legal liability as a result of trade, profession or employment within the home. There is a limit of £2 million for all claims arising from any one accident plus costs and expenses which we agree to in writing.
Home and contents insurance pays out a sum of money if your building or possessions are damaged, destroyed or compromised by an ‘insured event’. These events can include storms, fires, floods, burglaries and vandalism, but might exclude damage from vermin or movements of the sea. Basic "named perils" – this is the least comprehensive of the three coverage options. It provides protection against perils most likely to result in a total loss. If something happens to your home that's not on the list below, you are not covered.
Home and Contents replacement cost calculators
Valuable items may need to be insured for a higher specific value by listing them separately under your policy. You should call your insurer when you buy something new to update your policy to cover specified high value items. If your cover changes, we will send you a new PDS when you renew your policy. You can find your PDS online or call your local Elders Insurance agent for a copy. You will find your local Elders Insurance agents details on the top right-hand side of your policy schedule, renewal invitation or endorsement schedule we send you. Protect the things you treasure from theft, fire, and storm damage.
At times certain brands or products may not be available or offered to you. As in the US, mortgage lenders within the United Kingdom require the rebuild value of a property to be covered as a condition of the loan. Filing a claim may result in an increase in rates, or in nonrenewal or cancellation. The first homeowner's policy per se in the United States was introduced in September 1950, but similar policies had already existed in Great Britain and certain areas of the United States.
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If you get a home insurance quote online, you can use the reference to retrieve the quote for 28 days, as long as your details are the same. Or if you want to save your quote for longer, up to 60 days, just call our contact centre. So when you pay using a debit or credit card, whether online or on the phone, you'll be insured from the chosen start date of the policy.
These sheets do not provide a complete statement of the cover offered, exclusions, conditions and limits that apply under the policies. You should carefully read the Product Disclosure Statement and all policy documentation for more details. This endorsement provides added peace of mind if your property loss claim exceeds the amount of coverage on your dwelling or private structures . If the damage exceeds your policy’s limits, we will cover the costs to repair or rebuild your home. For example, if you have $300,000 coverage on your dwelling, and the cost of rebuilding your home due to a loss is $350,000, Allstate will pay the additional $50,000. That’s why it’s very important to tell us about any renovations you’ve done to ensure your home and contents are properly insured.
Home & Contents
Our partnership with studentGuard gives students an exclusive 10% off student contents insurance. If you need cover for theft and accidental damage inside and outside your student home per period of insurance, you can add on the optional mobile phone cover. A student contents insurance policy through studentGuard provides 12 months of cover. The standard policy covers your possessions inside your student home.
To decide if this product is right for you, please read the relevant Product Disclosure Statement and Target Market Determination . Temporary accommodation costs if your home isn’t liveable due to damage by an insured event. If it's time to renew your insurance policy or you have any questions about your home insurance renewal, call the Insurance Team who will be happy to help. This calculator estimates the value of your home contents using values supplied by Sum Insured Pty Ltd, Australia's leading provider of building contents cost information. Make sure items are insured for their full replacement value, not the amount originally paid. “Named perils” coverage for both dwelling buildings and contents .
You should also check that you're insured for enough to cover the cost of your home and all your belongings – and update your cover if you need to or shop around for a better deal. The insurance company will update you every 20 business days. If you're not sure exactly what you're covered for, now is the time to find out.
Perpetual insurance which continues indefinitely can also be obtained in certain areas.
The typical home insurance policy also covers structures that are separate from your home, but are still on your property, like a detached garage, tool shed or fence. ~Up to 10% of the sum insured, short term accommodation costs for up to 14 days and ongoing accommodation costs for up to 12 months. If fraud is established by the insurer then it can reject your insurance claim and void your policy.
A standard feature of our contents insurance is up to £5,000 for loss or damage to business equipment, which includes computer equipment , photocopiers and office furniture. The insured value of your contents, including valuables and personal belongings, is shown on your statement of insurance. A single article limit of £1,500 (£5,000 on Home Insurance Plus) applies for your valuables and personal belongings. We do not compare all home insurers or products in the market.
Cover can be provided for smart phones up to four years old, from the date of manufacture. There are a maximum of two claims per period of insurance. Accidental damage to your contents in the home unless you have chosen our optional accidental damage option. For example, you'd be covered if your child accidentally knocked your TV over and broke the screen. Or if you were up in your roof and accidentally put your foot through the ceiling.
Any advice given above is general and does not take into account your objectives, financial situation or needs. We do not compare all home and contents insurance providers in the market. At certain times, some insurance policies might be unavailable.
