Rias Home Insurance

Buildings Insurance with Rias Home Insurance provides cover for:

• Subsidence, landslip or heave
• Water leaks from fixed domestic appliances
• Trace and access cover, to find where a leak is coming from, including the cost of repairs to walls, floors and ceilings
• Accidental damage to fixed glass in doors or windows and sanitary fixtures
• Damage caused by oil or water leaks from a domestic heating system
• Alternative accommodation – if your home is so badly damaged that you can’t stay in it and you are covered for that damage, you will be offered alternative accommodation
• Emergency Services Damage – damage caused to your building by the emergency services accessing your home
• Replacement Locks – if your keys are lost outside the home or stolen, you’ll be covered for replacement locks

Contents Cover with Rias Insurance provides cover for:

• Accidental damage to TVs and laptops
• Loss of metered water or oil
• Accidental damage to fixed glass in mirrors, glass shelves and fixed glass in furniture
• Refrigerated and frozen food
• Money and credit cards
• Deeds and documents
• Students contents at university – if a member of your family is studying away from home, their contents are insured whether they are in Halls of Residence or private accommodation 
• Contents of outbuildings
• Contents in your garden – such as patio furniture and barbecue equipment
• Alternative accommodation – if your house is damaged by something you’re already insured for, but you cannot stay in it because it is uninhabitable; you will be offered alternative accommodation
• Replacement Locks – if your keys are lost outside the home or stolen, you’ll be covered for replacement locks
• Guest contents – if a guest staying with you has their contents damaged or stolen whilst in your home, your policy cover will provide some protection
• Moving home  – your contents are covered whilst they are in transit from your old home to your new one if they are professionally packed and carried
• Special occasions insurance increase –  automatic 10% increase in contents sum insured to cover gifts and presents one month before and one month after  weddings, during the month of a religious festival or one month before a family members birthdays
• Download data – cover for any data you have downloaded legally, such as films or music
• Carer’s possessions – if you have a carer looking after you, and their contents are damaged or stolen whilst in your home your policy cover will provide some protection
• Fatal Injury compensation – a lump sum payment to compensate you or your family if one of you is killed by a fire or an assault in your home

You can also add further cover to your Rias Home Insurance policy by purchasing the following extras:

• Personal Legal Protection – covers you for problems such as contract disputes, clinical negligence and personal injury
• Home Protection – provides cover for home emergencies such as burst pipes, blocked drains, security and pest infestation
• Home Protection plus - includes Home Protection plus emergency cover for main heating and hot water
• Garden Secure – provides cover for loss or damage to walls, gates, fences, hedges, patios, lawns and plants that are not covered under a standard home insurance policy
• Key Protection - covers theft or loss of home, office and vehicle keys and broken or locked in keys

If you want home insurance that can give you a wide range of benefits at an affordable price, get a Rias Home Insurance quote today.