This is the full rebuilding cost of the property, including the home and its decorations, fixtures and fittings attached to the home, permanently installed swimming pools, tennis courts, drives, patios and terraces, walls, gates and fences and fixed fuel tanks you own or for which you are legally responsible within the premises and named in the schedule.

This also needs to be adequate to include architects', surveyors', consulting engineers' and legal fees, the cost of removing debris and making safe the building and costs you have to pay in order to comply with any Government or local authority requirements.

If you are unsure whether this cover is adequate, you should contact a qualified surveyor.

Household goods and personal property, within the home, which are your property or which you are legally responsible for, including tenant's fixtures and fittings, radio and television aerials, satellite dishes, wind turbines, solar panels, their fittings and masts which are attached to the home, property in the open but within the premises up to £500 in total (other than radio and television aerials, satellite dishes, wind turbines, solar panels, their fittings and masts which are attached to the home), deeds and registered bonds and other personal documents up to £1500 in total, stamps or coins forming part of a collection up to £1,500 in total, Gold, Silver, Gold & Silver plated articles and Jewellery up to £5,000 or 35% of the sum insured for contents whichever is the greater, (10% of the sum insured for contents for any one item) within the private dwelling, domestic oil in fixed fuel oil tanks up to £1,000.

This excludes Fine Art, Antiques, Collectables, Jewellery and Watches over £1,500 Single Article Limit, which can be declared separately below.

Territorial Limits - Great Britain and the Isle of Man

This includes clothing, baggage, sports equipment and other similar items normally carried about the person and all of which belong to you, excluding Jewellery and Electronics.