Home Insurance

Kensington Insurance Services provides both Buildings and Contents Insurance. Buildings Insurance is designed to protect the policy holder against damage to the structure of their home together with its fixtures and fittings. Contents Insurance protects the policy holder against damage to or loss of articles in and around the home.

Buildings Insurance

Cover under this policy is comprehensive and provides protection against a wide range of perils including loss or damage caused by fire, storm or flood, lightening, explosion, earthquake, subsidence, burst pipes, glass and sanitary breakage, malicious damage, theft and vandalism.

  • Standard Policy Excess £75.00
  • Damage Excess £100.00
  • Subsidence Landslip and Heave Excess £1,000.00
  • This policy also provides cover for:
  • Rebuild value up to £500,000;
  • Lock replacement up to £500;
  • Public Liability against any compensation due to carelessness or negligence as an owner of the home up to £2,000,000;
  • The cost of alternative accommodation up to £12,500 if the policyholder's home is deemed uninhabitable as a result of a claim.

Optional covers available for this policy:

  • Accidental Damage - Protection against accidental damage to the policy holders building;
  • Emergency Repairs Assistance - Cover to arrange for a qualified tradesperson to assess and carry our emergency repairs up to £250 per claim;
  • Legal Expenses - Cover for legal proceedings on behalf of the policy holder against a range of disputes and claims up to £50,000.

Kensington's Building Insurance provides an Emergency Assistance Helpline 24 hours a day, 365 days a year.

Contents Insurance

Cover under this policy insures the policy holder's possessions against a wide range of perils including loss or damage caused by fire, smoke, storm or flood, lightening, explosion, earthquake, subsidence, theft, vandalism and malicious damage. The policy holder will be paid the full cost* of repairing damaged possessions or the cost of replacing them with equivalent new possessions if they are stolen or destroyed.

*new for old replacement does not apply to clothes, camping equipment, household linen, or pedal cycles

  • Standard Policy Excess £75.00
  • Accidental Damage Excess £100.00
  • This policy also provides cover for:
  • Valuables within the home up to £7,000 in total with a single article limit of £2,500;
  • Valuables & Personal Belongings cover away from the home (up to 10% of the contents sum insured with a single article limit of £1,500);
  • Theft or accidental loss of money up to £500;
  • Unauthorised use of credit cards following loss or theft up to £500;
  • Lock replacement up to £500;
  • Accidental damage to televisions, audio and video equipment and radios;
  • Cost of replacing food in your refrigerator or freezer due to spoilage as a result of temperature loss or contamination;
  • Breakage of mirrors, glass or ceramic tops to furniture and fixed glass in furniture;
  • Loss or damage to visitors personal effects up to £250 for any one visitor;
  • Loss of irrecoverable earnings due to jury service;
  • Personal Liability against any compensation due to carelessness or negligence as an occupier of the home up to £2,000,000;
  • The cost of alternative accommodation up to £12,500 if the policyholder's home is deemed uninhabitable as a result of a claim

Optional cover available for this policy:

  • Accidental Damage Protection against accidental damage to the policy holder's contents;
  • Option to purchase additional Valuables & Personal Belongings cover away from the home, including specified items such as jewellery, watches, paintings etc.
  • Emergency Repairs Assistance - Cover to arrange for a qualified tradesperson to assess and carry our emergency repairs up to £250 per claim;
  • Business Equipment & Stock - Cover against loss or damage to any specified business equipment, business stock and trade materials, up to £2,500 per claim.
  • Legal Expenses - Cover for legal proceedings on behalf of the policy holder against a range of disputes and claims up to £50,000.

Kensington's Contents Insurance provides an Emergency Assistance helpline 24 hours a day, 365 days a year.


back Back to Kensington Insurance Services

 

© Kensington Group plc. Please read our disclaimer and privacy statement

Home | Site Map | Contact Us