Your home insurance policy protects you against loss from the most widely feared of all hazards - fire. It also covers a wide range of weather related damage including lightning and storms as well as losses resulting from other natural causes. Your policy protects against the following losses:
- Fire damage to your home
- Damage caused by the water and/or foam used to extinguish the fire
- Fire damage to trees, shrubs, plants, lawn or boundary walls and fences
- Smoke damage
- Falling trees
- Damage due to weight of ice or snow
Home insurance can help repair your house and freestanding structures (garage, tool shed, etc.) if damaged is caused by lightning, storms, hail, vandalism, vehicles, or fire. It can also help pay for alternative accommodation for you and your family while repairs are in progress.