Home insurance that doesn't hang you out to dry

Policy benefits include:

• New for old cover. For the contents in your home against loss or damage caused by fire, flood, storm, theft, escape of water and other similar causes.
• Accidental breakage. Covers windows and sanitary ware and damage to drains, pipes, cables or underground pipes.
• Trace and access. This covers cost of removing and replacing any part of the building to repair a household heating or water system that has caused an escape of water.
• Accidental damage. To television, satellite, video, audio and computer equipment and breakage of mirrors, ceramic hobs or any glass in furniture such as glass tables or cabinets.
• Worldwide cover available for personal belongings and money. Perfect for day-to-day life when you are travelling.
• Full accidental cover option available. For example putting your foot through the ceiling, damaging a worktop, spilling red wine on the carpet or knocking over a vase.
• Homecare services as an additonal benefit. Provided with either buildings or contents to cover for loss or damage to trees, shrubs, plants, hedges and lawns up to £1,000. (Available with certain insurers only).
• Pedal cycle cover option available. For loss or damage to any pedal cycle belonging to your family.
• Loss or damage to freezer food caused by a rise or fall in temperature.