What's included with Buildings and Contents cover
Your buildings, including the main structure of your home, garage, outbuildings, walls, fences, gates and any fixtures and fittings such as fitted kitchens and bathroom suites, up to a value of £500,000 and your contents up to a value of £50,000* with the Standard cover and up to a value of £75,000* with the Premier cover
Alternative accommodation, up to a value of up to £75,000 depending which level of cover you've selected, if your home becomes uninhabitable as a result of an approved claim
Your Christmas, birthday and wedding gifts from a variety of potential threats such as theft, fire and water damage caused by flooding. The cover limit on these items is an additional £3,000 on the Standard cover and £5,000 on the Premier cover on top of the overall contents sum insured for one month before and one month after the special event
Personal belongings such as jewellery, watches, cameras, laptops and mobile phones while you're away from home, up to a total limit of £3,000* on the Standard cover and £5,000* on the Premier cover
Accidental damage to your buildings and contents if you take out the Premier cover
What you need to know about Buildings and Contents cover
- Damage to fences or gates caused by storms or flooding is not covered in the Buildings and Contents cover
- The maximum we’ll pay out for items stolen from outbuildings is £3,000 on the Standard cover and £5,000 on the Premier cover
- Personal Belongings above £2,000 individually must be specified in order to be covered
- Personal money is limited to £1,000 and credit cards are limited to £500
- Theft from unattended motor vehicles is limited to £1,500
Summary of Buildings and Contents cover
| Cover | Standard | Premier |
| Buildings | £500,000 | £500,000 |
| Contents | £50,000* | £75,000* |
| Personal Belongings | £3,000** (Option to increase) |
£5,000** (Option to increase) |
| Accidental Damage | Optional | Included |
| Garden | Optional (£2,000) |
Optional (£5,000) |
| Home Emergency Assistance | Optional (Up to £500 call out, labour and parts) |
Optional (Up to £500 call out, labour and parts) |
| Legal Expenses | Optional (£50,000) |
Optional (£50,000) |
| Pedal Cycle | Optional (Pedal cycles over £1,500 need to be specified) |
Optional (Pedal cycles over £1,500 need to be specified) |
*Inner limits apply including single item limit and total limit for high risk items.
** Inner limits apply.
Policy documents
For further details about the home insurance products, take a look at the policy documents below.
RSA have been putting customers first for over 300 years, protecting the things you value most and helping make things better when the worst happens.
Frequently asked questions
How to make a claim on my home insurance?
Will my home insurance claim be settled on a 'new for old' basis?
Do I have to have both contents and buildings insurance?
About RSA
Royal & Sun Alliance Insurance Group has been carefully selected to underwrite the home insurance available from the West Brom
Home insurance available from the West Brom is underwritten by Royal & Sun Alliance Insurance Ltd (no. 93792). Registered in England and Wales at St. Marks Court, Chart Way, Horsham, West Sussex RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Reference No.202323.
Home insurance available from the West Brom is administered by Hood Group Ltd (no. 3139744). Registered in England and Wales at 52/54 Alexandra Street, Southend-on-Sea, Essex, SS1 1BJ. Authorised and regulated by the Financial Conduct Authority. Reference no. 616402.