- 2 claims within the last 3 years, but no burglary within the last year permitted
- Must be main residence and permanently occupied solely by you and your family
- Max. unoccupied period: 30 days
- Clerical business use permitted
- Property must be in a good state of repair and built of brick, stone or concrete and roofed with slate, tile, concrete, metal or asphalt
- The property must be self-contained with its own front door
- It has not been damaged by flood (and is not in an area liable to flood) or affected by subsidence or structural movement (and is not in an area subject to subsidence)
- Excludes the following jobs: entertainment or fashion industry, professional sports, foreign service, scrap or salvage merchants, general dealers or market traders, minicab drivers and controllers
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