An overview of our household cover

The AHS home insurance policy is a multi-section home insurance policy. All sections are optional except that you must select either Buildings or Contents. Sections are provided for Buildings (including Accidental Damage), Contents (with an Accidental Damage option), All Risks for Personal Possessions.

Buildings cover
- see Buildings section of policy booklet for details.             

Significant features and benefits                      

Cover is provided for an extensive list of perils such as fire, storm, flood, theft, etc.- see policy booklet. In addition cover is provided for:      
- alternative accommodation following an insured loss
- accidental damage to fixed glass, sanitary fixtures and underground services
- damage caused by emergency access
- the buyer when you are selling your home
- your legal liability as owner of your home.

Contents cover
- see Contents Section of policy booklet for details.

Significant features and benefits

Cover is provided for an extensive list of perils such as fire, storm, flood, theft, etc.- see policy booklet.

In addition cover is provided for
- accidental damage to audio, video and computer equipment
- contents temporarily removed from the home
- contents in outbuildings (up to £2,500) and in the open (up to £ 250)
- replacement locks if keys are lost or stolen
- spoilage of food in freezers (up to £ 250)
- loss of domestic fuel and metered water (up to £1,000)
- alternative accommodation following an insured loss
- your liability as occupier, employer, tenant and in a personal capacity

With the Accidental Damage Option all other accidental damage occurring in the home, that we regard as insurable, is covered.

The Insurer of this policy is Aviva Insurance UK Limited. Registered Address: 8 Surrey Street, Norwich, NR1 3NG.

For more details about the cover please read the AHS policy summary inc Demands and Needsdocument.

If you would like to receive a quote through our Scheme, please download our application form. Alternatively, please fill in all the fields on the online form and click send.