1st for Women Insurance

Building Insurance

Under this section you may claim for damages to the physical structures of your home and its outbuildings.

What you pay when you claim - the excess(es)

Every time something happens for which you claim, you must pay the basic excess. You must also pay any of the additional excesses on the schedule, on top of the basic excess.

We will indemnify you for:

Loss of or damage to your private home, garages, outbuildings, swimming pool (but not borehole and swimming pool equipment), walls, gates, fences, tennis court and for the fixtures and fittings at the address on the schedule.
Loss or damage caused by:

1. Fire, lightning, explosion, earthquake, the bursting or overflowing of geysers, equipment or pipes.
2. Storm or flood, but not when the loss or damage is to your gates, fences or retaining walls.
3. Impact with your home and outbuildings by animals, vehicles and falling trees (but not while they are being felled).
4. Aircraft or things dropped from them.
5. Malicious or intentional damage, but not if your home is unoccupied for more than 60 days in a year.
6. Break-in or theft, but if your home or a part of it is let, then only if we can see the damage caused by the break-in.
7. Subsidence of land.
   

If your schedule states that you are paying for this cover, we will indemnify you for loss of or damage to your private home, garage and outbuildings caused by subsidence or heave of the land supporting the building or landslide as long as the loss or damage is not caused by or does not arise from

1. Excavations other than mining excavations.
2. Alterations, additions or repairs to the dwelling.
3. The compaction of infill.
4. Defective design, materials or workmanship.
5. Normal settlement, shrinkage or expansion of the dwelling.
   

Under this cover extension, we will also indemnify you if you have a home contents policy with us and due to subsidence, heave or landslip, the insured items, which you normally keep inside the buildings at the same insured address, are lost or damaged at the same time as your buildings and your buildings claim is approved.

The maximum indemnification for the following items is stated on your schedule.

Rent

The rent that you lost because your tenant had to vacate the buildings because they were damaged by anything covered by the policy.

Professional fees

Your expenses for professional fees and charges from public authorities after damage caused by anything covered in the policy.

Glass and sanitaryware

Your fixed glass and sanitaryware damaged accidentally.

Power supply

Your public supply or mains connections damaged accidentally.

Aerials

Your radio/television aerials or masts and satellite dishes when they break accidentally or if they are stolen.

Fire brigade

Fire brigade charges for a fire at your home.

Demolition charges

The cost to demolish your home and to remove the debris if it was damaged by anything covered in this policy.

Public liability as a homeowner

If you are legally responsible, we will indemnify you:

1. If any person other than you or a member of your family who lives with you, or someone who works for you, is injured or dies accidentally.
2. If the property of any person is accidentally damaged, but is not yours nor that of a member of your family who lives with you, nor that of someone who works for you. Something that does not belong to you or your family, but which you are looking after, is not insured.
3. For the recoverable legal costs of the person who claims against you.
   

Liability to domestic employees

If you are legally responsible, we will pay if your domestic employee is injured or dies because of an accident at your home while he/she was working.

We do not indemnify you for:

Fire damage to a thatch roof building

Fire damage if your home or outbuildings have a thatch roof, unless the schedule states that it is covered.

Damage to non-approved buildings

Any damage if the relevant local authority did not approve or would not have approved the construction of the building.

Claims for death, injury or damage which are caused by, happen from, or are due to:

1. The ownership, possession or use of lifts or vehicles.
2. The pursuit or exercise of any trade, business or profession.
   

Subsidence, heave and landslip -

1. Loss of or damage to solid floor slabs or any other part of the building resulting from the movement of the slabs, unless the foundations supporting the external walls of the buildings are damaged by the same cause at the same time.
2. Loss of or damage to swimming pools, tennis courts, patios, terraces, driveways, paths, septic or conservancy tanks, drains, water courses, walls, gates, posts and fences unless the private residence or its domestic buildings are damaged by the same cause at the same time.
3. The cost of work necessary to prevent further loss or damage due to subsidence, heave or landslide except where appropriate design precautions were implemented during the original construction of the dwelling and any subsequent additions thereto.
   

What happens if you are under-insured

You must insure your home for its replacement value. The replacement value is what it will cost you at the time of a claim to rebuild your home, outbuilding, walls, swimming pool, etc. with new material. If you claim, we will calculate the replacement value for which you should have insured your buildings. If you insured it for less than that, we will only pay a part of your claim, e.g.