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Product review
Updated February 2024

House and contents insurance

Protect your home and belongings with house and contents insurance.

Initio Insurance

Home and Contents Comprehensive

Annual premium

Policy

Underwriter

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Financial strength

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Independent complaints organisation

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Excesses

Standard excess - house

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Standard excess - contents

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Main cover - house

Sum insured or full replacement?

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Personal liability - house policy

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Temporary accommodation following loss

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Recreational features

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Retaining walls

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Additional cover - house

Blocked water or sewage pipes

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Hidden gradual damage caused by internal water pipe or waste pipe or cylinder

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Keys and locks (house)

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Landscaping

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Post-event inflation protection

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Reduced excess for glass or sanitary fixtures

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Main cover - contents

Personal liability - contents policy

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Temporary accommodation for homeowners following loss

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Temporary accommodation for tenants following loss

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Removal and return and storage of contents following loss

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Specific items

Bicycles

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Books

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Cameras and accessories

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Carpets and floor coverings - unfixed

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Clothing and footwear

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Collections (eg stamps)

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Computers and computer software

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Credit card cover

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Jewellery and watches

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Mobile phones

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Money

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Motor vehicle parts and accessories

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Sporting equipment

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Works of art

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Additional cover - contents

Hidden gradual damage caused by water pipe or waste pipe or cylinder

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Home office and professional equipment

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Keys and locks (contents)

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Moving contents to a new address

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More info

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