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This is the rebuild cost for your home. It's different from your home's market value or council tax band, as those include the value of the land.

If something happens to your home and the structure needs to be rebuilt, your buildings sum insured is is the upper limit of what you can claim.

It covers permanent fixtures and fittings both outside and inside, including kitchen units, patios, garden walls, gates, fences and outbuildings.

Get an idea of how much you might need using the rebuild cost calculator from the Building Cost Information Service (BCIS).

Full details are in your policy document.

If something happens to your contents and they need to be replaced, this is the upper limit of what you can claim.

This might be an appliance or an antique, a bed or a bicycle. Whatever the type of thing, if it's part of your home contents (but not your car or something of your landlord's), this is the sum that covers it.

Full details are in your policy document.

If a water leak or oil leak is causing damage and part of your building needs removing to get to the source of the leak, we'll cover the cost. That means both the removal, and the cost of getting things back to normal.

We won't cover the thing that's leaking, such as a tank, pipe, appliance or heating system.

Full details are in your policy document.

For any garage or other outbuilding that's part of your home, if something is stolen (or damaged during a theft), we'll cover the cost.

Full details are in your policy document.

You can add cover for items that you normally wear or carry when you're out and about.

This means items worth £2,000 or less each, such as phones, watches, glasses and sports equipment.

For Home and Home Plus customers, the cover includes up to 60 days abroad in any one policy year.

Full details are in your policy document.

If we've accepted a claim, and the repairs mean you can't stay at home, talk to us about your plans for somewhere else to stay. Once we've agreed the costs with you, we'll cover where you're staying and kennel fees for any pets, as well as lost rent.

The same applies if your home is occupied by squatters.

Full details are in your policy document.

For bathroom suites or fitted kitchens, if you've got a set or a suite of which one part is damaged beyond repair, we'll aim to replace that part.

For bathroom suites or fitted kitchens, if you've got a set or a suite of which one part is damaged beyond repair, we'll aim to replace that part.

Full details are in your policy document.

This covers things that happen to your buildings suddenly, unexpectedly and unintentionally. It's not for general wear and tear, or things that just break down. Details are in your policy document.

Buildings examples include:

• A football accidentally breaking your window
• Damage caused by an overflowing sink or bath

Full details are in your policy document.

This covers things that happen to your contents suddenly, unexpectedly and unintentionally. It's not for general wear and tear, or things that just break down.

Contents examples include:

• Spilling wine on your carpet
• Furniture damaged while you're moving home

Full details are in your policy document.

Get cover for legal costs if there's a greater than 50% chance of success. With 24/7 access to legal assistance.

Examples include:

• Personal injury and clinical negligence
• Employment and contract disputes

Full details are in your policy document.

New parts, labour and callout charges are all included for emergency repairs up to £500 per callout.

Examples include:

• Boiler, electricity supply or water supply failure
• External lock damage or failure

Full details are in your policy document.