Liberty Quality Home - house and contents insurance
The property insured by this household insurance is the building (immovable property) and the contents (the furniture in the home), providing the insured sum is given in the schedule.
Building
The following is construed as the building:
- Set of foundations, load-bearing walls, floors, walls, partition walls, ceilings or rooves, doors, windows, built-in wardrobes, and any glass panes installed in them, awnings and shutters
- Any adjoining buildings, such as private garages, parking spaces or junk rooms, even when located outside of the space delimited for the home, constituting an integral part of the building where the home is located or situated in the same lot or on the same terrain as the home, and with construction features similar to those of the main building.
- Fixed installations, such as water, heating, service, air conditioning, electricity and gas installations, including the connection of these installations to general distribution networks, providing they are on the property on which the home is located, and solar energy, hydraulic energy and telephone installations
- Any elements required to operate the heating, refrigeration, air conditioning and service installations, such as boilers, accumulators, radiators and refrigeration and cooling devices, providing they have been fixed and permanently installed in the building
- Services such as stairs, elevators and radio and television receiving antennas
- Any fixed decorative or ornamental items attached to the floors, ceilings and / or walls, such as paint, wallpaper, fabric, carpets or parquet etc that form a part of the home and belong to the insured shall be construed as an integral part of the building at all times
- Any land barriers and land-retaining walls independent from the building, as well as any sports areas, swimming pools and the fixed installations thereof, should they exist, are included
- If the insured is the co-owner, the insurance cover additionally includes the quota that might apply to him / her under the horizontal partition scheme with regard to the undivided property, should the common insurance established by the co-owners be insufficient or should no such insurance exist
- The private garage or parking spaces belonging to the insured and located in places other than the insured home or building in which the home is located may be included in this category, providing it has been expressly recorded in the policy and that the garage or parking spaces are in the same town.