Under the terms of a typical home buildings insurance policy, the insurer may refuse a claim or cancel this policy, or do both, if:

The above conditions also apply to anyone else covered under the policy. The insurer may refuse you or your family the cover offered by this policy if you or your family make admissions, settle, attempt to settle, or defend any claims without our agreement. Only the insurer has the right to make admissions to settle any claims against you and to defend you. The insurer may also refuse a claim or cancel the policy, or do both, if:

- unless you tell the insurer beforehand in writing and the insurer agrees to cover you.