What's Covered?

How can SAGIC Core Home provide cover at such a low price?

SAGIC Core Home is a policy which covers your contents for the crucial risks such as fire but has removed some of the protection found in other policies that can be useful but in our opinion are not critical such as accidental damage or loss of frozen food.

What is this type of insurance?

This core home insurance policy provides cover against damage to the buildings and contents of your home. Your policy schedule will provide specific details on the sections of cover you have opted to insure.

What is insured?

The amount of cover required to repair and/or replace your contents is shown on your schedule.

Loss or damage to Contents by any of the following causes:

Contents

Fire, Smoke, Explosion, Lightning and Earthquake

Storm or Flood

Riot, Malicious Persons or Vandals

Subsidence, Heave or Landslip

Escape of Water or Escape of Oil

Theft

Impact

Damage to satellite dishes

Falling Trees

Additional cover automatically included at no extra charge

Alternative Accommodation

Tenants’ Liability for Damage

Emergency Entry

Occupiers' and Personal Liability

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What is not insured?

Communicable diseases

Computer failure, mechanical or electrical breakdown

Deliberate damage or criminal acts by any member of the household

Pollution, contamination, terrorism or war

Wear and tear, depreciation or any gradually operating cause including but not limited to wet rot, dry rot, rust, deterioration and the like

Motor vehicles and their contents

Liability for ownership, possession or use of aircraft or drones

Damage caused by domestic pets belonging to anyone residing in your home, or by vermin or insects

Are there any restrictions on cover?

The single items limit under contents is £3,000

If your property is unoccupied for more than 31 days, then cover is reduced to exclude theft, escape of water, frozen pipes and malicious damage

The maximum amount payable under alternative accommodation is £10,000

The maximum amount payable under tenants’ liability for damage is £10,000

The maximum amount payable under occupiers' and personal liability including costs and expenses is £2,000,000

Words in red have specific meaning and are links to our Definitions We Use.