What exactly does home insurance cover?

Buildings Contents
Fire, Smoke, Lightning, explosion or earthquake Yes Yes
Aircraft and other flying devices or items dropped from them Yes Yes
Storm, flood, weight of snow Yes Yes
Escape of water from and frost damage to fixed water tanks, apparatus or pipes Yes Yes
Escape of oil from a fixed domestic oil-fired heating installation and smoke damage caused by a fault in any fixed domestic heating installation Yes Yes
Theft or attempted theft Yes Yes
Collision by any vehicle or animal Yes Yes
Any person taking part in a riot, violent disorder, strike, labour disturbance, civil commotion or acting maliciously Yes Yes
Subsidence or leave of the site upon which the buildings stand Yes Yes
Breakage or collapse of fixed radio and television aerial, fixed satellite dishes and their fittings and masts Yes Yes
Falling trees, telegraph poles or lamp posts Yes Yes

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