AND HOUSEHOLDERS (H & H) POLICY
H & H policy
is sometimes misleadingly called a comprehensive
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
and contents against a number of contingencies
for the full value of the private dwelling, domestic outbuildings (as
described), and the contents (if insured).
fire cover, burglary, housebreaking, certain theft, malicious
damage, certain water damage, and certain accidental breakage.
- riot and
by aircraft, road vehicles, storm, tempest
policies may also include spoilage on frozen food, blown over
fences, domestic workers compensation.