- Must be the permanent home and purely residential
- Valuable items up to 1.5k
- No residents with non-motoring conviction
- 1 claim up to £500 within the last 3 years permitted
- No special terms imposed or had insurance declined, cancelled or refused
- No cracks or bulges in the walls and has not been underpinned or monitored for subsidence, heave or landslip and is in an area free from flooding and coastal/ riverbank erosion
- Property must be a standard construction of brick, stone or concrete and roofed with tiles or slates
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