Cover

What is covered

What is not covered

The property which is covered by this section of Your Policy is detailed in the definition of Buildings on page 3 of Your Endsleigh Landlords Insurance Policy Book.

We will pay for loss or damage to Your Buildings caused by:-

The Excess stated on Your Statement of Insurance.

Fire explosion lightning earthquake

Smoke

Damage caused by smog, agricultural or industrial operations or any gradual process

Storm or flood

• Loss or damage caused
  • by frost
  • to fences, gates, hedges or tennis courts
  • by wet or dry rot
• The cost of removing any tree, branch, telegraph pole or lamp post, unless the main private dwelling of Your Property is damaged at the same time.

Subsidence or heave of the site beneath the Buildings or landslip or landslide

• The first £1,000 of each claim.
• Damage to outbuildings, walls, gates, hedges, fences, footpaths, drives, patios, tennis courts, outdoor swimming pools or terraces, unless the main private dwelling of Your Property is damaged at the same time
• Damage caused by coastal or river erosion
• Damage resulting from normal settlement, shrinkage or expansion
• Damage caused by bedding down of new structures or settlement of newly made up ground
• Damage caused by the action of chemicals on or the reaction of chemicals with any materials which form part of the Buildings
• Any claim for which compensation is provided by another source
• Damage to solid floor slabs or damage resulting from their movement, unless the foundations beneath the external walls are damaged at the same time
• Damage resulting from
  • demolition or structural repairs or alterations to the Buildings
  • faulty workmanship, defective design or the use of defective materials in the Buildings

Riot, civil commotion, strike, labour and political disturbances

Any damage in Northern Ireland

Malicious persons or vandals

Loss or damage

• occurring after Your Property has been left Unfurnished or Unoccupied for more than 90 consecutive days
• caused by You or any other person who is living in Your Property

Escape of oil from any fixed domestic heating installation

Escape of water from any washing machine, dishwasher, refrigerator, freezer, fixed domestic water or heating installation or fixed fish tank

Damage to any fixed domestic water or heating installation caused by freezing

• The first £500 of each claim.
• Damage
  • occurring when Your Property is left Unfurnished or Unoccupied for more than 90 consecutive days
  • to the component or appliance from which the water or oil escapes (other than damage to any fixed water or heating installation caused by freezing described opposite)
  • arising from wear and tear, gradual deterioration, any inherent defect or faulty or defective workmanship, materials or design
  • caused by the action of chemicals on or the reaction of chemicals with any materials which form part of the Buildings
  • caused by wet or dry rot

Theft or attempted theft

Loss or damage

• occurring when Your Home is left Unfurnished or Unoccupied for more than 90 consecutive days
• caused by You or any person who is living in Your Property
• Theft or attempted theft which does not involve Forcible and Violent Entry Into or Exit From Your Property

Impact involving a vehicle, train or animal

Damage caused by

• domestic pets for which either You or any person who is living in Your Property is responsible
• insects or vermin

Impact involving an aircraft or aerial device or anything falling from them

Falling television or radio aerials, satellite dishes, their fittings or masts

Damage to the television or radio aerial, satellite dish, their fittings or mast

Falling trees, branches, telegraph poles or lamp posts

• The cost of removal of the tree or branch, unless the main private dwelling of Your Property has been damaged at the same time
• Damage to fences, hedges, gates or tennis courts

Temporary Accommodation

If Your Property is made uninhabitable because of loss or damage covered under "Section 1 - Cover for Your Buildings", We will pay for the reasonable extra cost of comparable alternative accommodation but only during the period necessary to reinstate Your Property to a habitable condition.

• Any payment in excess of £2,000 for any one claim
• Any loss or damage shown as not covered under "Section 1 - Cover For Your Buildings"

Loss of Rent

We will pay up to 20% of the Buildings Sum Insured for loss of rent if the Property becomes Unoccupied or partly Unoccupied and cannot be let because of loss damage covered under "Section 1 - Cover for Your Buildings".

We will not pay for

• loss of rent arising from the tenants leaving the Property without giving You notice
• rent the tenants have not paid
• loss of rent to any Properties that were Unoccupied immediately before the insured Event giving rise to a claim
• any letting agents share of the rent or any other expenses You must pay to the letting agent
• loss of rent arising from any part of the Property that is used for anything other than domestic accommodation
• loss of rent after the Property is fit to be let out
• loss of rent for more than 12 months

Glass and Sanitary Ware

Accidental breakage of

• fixed sanitary ware and bathroom fittings
• fixed glass in windows, doors, fanlights, skylights, greenhouses, conservatories and verandas

• Loss or damage occurring when Your Property is left Unfurnished or Unoccupied for more 90 consecutive days
• ceramic hobs or tops

Underground Pipes and Cables

Accidental Damage to underground drains, pipes, cables and tanks providing services to or from Your Property for which You are legally responsible

Liability as Owner of the Building

We will pay any amount which You become legally liable to pay, including costs and expenses incurred with Our consent, in respect of

• bodily injury by accident including death, disease or illness
• accidental damage to property

happening during the Period of Insurance and arising from ownership of Your Property, but not its occupation

We will also pay legal costs and expenses recoverable by any claimant and all costs and expenses agreed by Us in writing

If You die, Your legal personal representatives will have the protection of this cover for liability incurred by You

• Any payment in excess of £2,000,000 where damages are payable for any claim or series of claims arising out of one Event
• Liability in respect of
  • bodily injury, death, disease or illness to You or any person employed by You
  • any trade, profession,business or employment, other than as Landlord of the Property.
  • loss of or damage to property in Your care
  • any contract which You have entered into, unless legal liability would have attached anyway
  • the ownership, possession or operation of
    • road vehicles or any other mechanically propelled or assisted or horse drawn vehicle
    • any power operated lift
  • any wilful or malicious act by You

Sale and Purchase of the Property

If You are selling the Property insured by "Section 1 - Cover For Your Buildings" of this Policy, the purchaser will have the benefit of the Cover under this section from the date contracts to purchase are exchanged or, in Scotland, from the date of the acceptance of offer up to the date of completion.

• Any payment where the private dwelling being sold is otherwise insured
• Loss or damage occurring when the private dwelling being sold is left Unoccupied for more than 90 consecutive days