What exactly does home insurance cover?

Perils Covered
Fire, Smoke, Lightning, explosion or earthquake
Storm and flood
Escape of water or oil from any fixed water or heating installation, apparatus or pipes
Theft of attempted theft caused by violent and forcible entry or exit
Collision or impact by any animal, vehicle, aircraft or aerial devices and including items dropped from them
Riot, civil commotion, labour and political disturbances
Malicious damage or vandalism
Subsidence, landslip or ground heave of the site upon which the buildings stand
Falling trees, telegraph poles, lamp-posts, fixed aerials, dishes and masts

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