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Home Insurance Key features of what is covered. Click here to get a free quote

Key features of what is covered

Take a look at RSA’s key policy limits when standard buildings and/or contents cover is chosen. For a full list of what is included - as well as the limitations and exclusions - please click on 'Full Policy Information' at the bottom of this page.

You can also add optional features onto your policy, such as cover for items taken out of the house, home emergencies or legal expenses. For more details on these, please click on 'Additional Cover' at the bottom of this page.

 

STANDARD BUILDINGS COVER

This covers the rebuilding costs if the main structure of your home is damaged by fire, storm, flood, theft or subsidence. RSA provides £500,000 worth of cover as standard, which can be increased if required.

The most RSA will pay in respect of any one claim is:

Core Buildings* The sum insured/limit shown on your policy schedule
  The following individual limits apply:
Alternative accommodation £40,000
Locks and keys £750
Legal liability as owner £2,000,000

 

STANDARD CONTENTS COVER

This covers the household personal items and furnishings whilst inside the home, such as your settee, television, carpets, jewellery and freestanding white goods (e.g. fridges, freezers, dishwashers, washing machines). RSA provides £50,000** worth of cover as standard, which can be increased if required.

The most RSA will pay in respect of any one claim is:

Core Contents* The sum insured/limit shown on your policy schedule**
  The following individual limits apply:
Office equipment, office furniture and office stationery £5,000
High risk items The limit shown on the schedule
Theft from any detached outbuilding, garage, shed or greenhouse £2,000
Wedding, civil partnerships, birthday and religious festivals gift increases £3,000
Freezer food £1,000
Temporary removal £20,000
Contents in the open £750
Alternative accommodation £10,000
Tenants liability £10,000
Locks and keys £750
Legal liability £2,000,000

*For a full list of what is included, a description of the cover - as well as the limitations and exclusions - please click on 'Full Policy Information' at the bottom of this page.

**Inner limits apply including single item limit and total limit for high risk items.

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