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.

Household goods and furnishings, within the home, which are your property and form part of your tenancy agreement.

Contents includes: The household goods of the buildings including: furniture, furnishings, photographic equipment, money, outdoor items, business property, gardening implements, tractors and their trailers used solely for domestic purposes, fine art and antiques, your fixtures and fittings including interior decorations if you are not responsible for insuring the buildings all of which belong to you or for which you have a legal responsibility.

Contents does NOT include: caravans, aircraft, watercraft or mechanically propelled vehicles, other than: • domestic gardening equipment, • electric wheelchairs, • models and toys and their spare parts and accessories, (although cover is provided for your computerised motor vehicle accessories when taken out of the vehicle and kept in the building of your home) any part of the structure of the buildings, animals, personal possessions or credit cards.