HOUSEOWNERS AND HOUSEHOLDERS (H & H) POLICY

The H & H policy is sometimes misleadingly called a comprehensive policy but although having more extensive cover than the basic fire policy it is far from complete cover. The policy generally covers the normal risks likely to be encountered by the typical houseowner, or householder including:

• building and contents against a number of contingencies
• indemnity for the full value of the private dwelling, domestic outbuildings (as described), and the contents (if insured).
• basic fire cover, burglary, housebreaking, certain theft, malicious damage, certain water damage, and certain accidental breakage.
• riot and civil commotion
• damage by aircraft, road vehicles, storm, tempest
• new policies may also include spoilage on frozen food, blown over fences, domestic workers compensation.

See:

fire insurance

home contents.