Home insurance

In practiceA kitchen fire or a burst pipe damages your house, and this pays to repair the structure so you can move back in.

Not coveredGradual damage like a slow leak or poor maintenance usually isn't covered, only sudden accidental loss.

In practiceA break-in or a fire destroys your furniture and electronics, and contents coverage helps replace your belongings.

Not coveredHigh-value items like jewellery often have a low limit unless you schedule them separately.

In practiceA guest slips on your steps and is hurt, and personal liability covers their claim plus some medical costs.

Not coveredInjuries to you or your own family aren't liability claims.

In practiceA fire makes your home unlivable, and additional-living-expense coverage pays for a hotel and meals while you are out.

Not coveredIt covers the extra cost above your normal expenses, not your whole rebuilt life, and has time limits.

In practiceA sewer backs up or a storm floods your basement, and optional water and overland-flood coverage responds.

Not coveredStandard home policies typically exclude flood and sewer back-up unless you add these options.