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Key features of cover

The key features in the table below are only our basic limits. Please contact us on 0845 222 0041 if you require bespoke cover or would like advice on your home insurance or garden insurance.

Garden Cover Limits
Loss or damage to garden contents £10,000 in one policy year
  • limit per plant, tree or shrub
 £500
  • limit per statue/ornament
 £2,500
  • limit for garden furniture
 £2,500
Re-landscaping fees Up to £2,500
Ride-on lawnmowers Up to £2,500
(unless a higher limit specified on schedule)
Extended cover for gardening equipment in locked outbuildings Up to £5,000
Storm damage for fences and gates Up to buildings Sum insured
Buildings Limits
Buildings Sum Insured Blanket cover of at least £500,000
Property Owners' liability £2,000,000
Cost of alternative accommodation Up to 20% of sum insured
Breakage of fixed glass and sanitary fittings Automatically included
Accidental Damage Automatically included
Contents Limits
Contents in the home sum insured Minimum £15,000
Contents temporarily removed Up to 20% of sum insured
Theft From:
  • Garages
 Up to contents sum insured
  • Outbuildings
 Up to £5,000
  • The Open
 Up to £2,500
Valuables overall limit 40% of contents sum insured
Valuables single article limit £2,000 or 5%, whichever is greater
Occupiers liability £2,000,000
Employers liability £10,000,000
Tenants liability Up to 20% of sum insured
Home office equipment cover Up to £5,000
Frozen Food Up to £1,000
Accidental damage cover to
  • Audio, video & computer equipment
 Automatically included
  • Mirrors and glass furniture
 Automatically included
Cost of alternative accomodation Up to 20% of sum insured
Personal possessions
in and away from the home		 Limits
Clothing and personal effects Minimum £2,000
Single article limit £1,500
Specified Items
  • Valued at £1500 or over
 Sum insured as selected
  • Pedal Cycles
 £500
  • Money
 £500
  • Credit Cards
 £1,000
Personal possessions
in and away from the home		 Limits
  • Credit Cards
 £1,000
Legal Expenses cover Up to £750,000
Excess £50 all claims, increasing to £1,000 in respect of subsidence
Insurers (Either one of the following) Zurich Insurance
Norwich Union
Tailored wider cover is available Please ask us for details
This is a summary of the cover only. A full copy of the home and garden insurance policy is available to view online.

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Alan Boswell Insurance Brokers Limited (Registered in England No. 02591252) and Alan Boswell Insurance Services Limited (Registered in England No. 03532804) are authorised and regulated by the Financial Services Authority. The Registered Office for all companies is: Harbour House, 126 Thorpe Road, Norwich, Norfolk, NR1 1UL.