What's not covered by my buildings insurance policy?

Here are a few examples of things you won't be covered for. These include:

- wear and tear, for example anything that happens gradually over time, such as rotten wooden window frames or threadbare carpet

- storm or flood damage to gates and fences

- routine maintenance to your home or contents

- electrical equipment that breaks down

- if your home is left unoccupied for more than 60 days in a row, reduced cover will apply - please refer to your document of insurance to see how you could be affected

- items that you lose in your home or garden (unless you've purchased our optional Personal Possessions cover)

For full details of what you won't be covered for, please check your Home Insurance Policy Documents for exclusions