Liberty Quality Home - house and contents insurance
Article A. BASIC COVER: MATERIAL DAMAGE OR LOSSES SUSTAINED BY THE BUILDING AND / OR CONTENTS
Pursuant to the cover conditions of the policy and the limit on the insured sum stipulated in the schedule, material damage and / or direct material losses sustained by the building or contents due to the following causes are guaranteed:
A.1. Fire, explosion , lightning
1. Fire
Direct material damage caused to the insured home by fire and material losses arising as an inevitable consequence of the fire when it was started by chance, unknown individuals or negligence on the part of the insured or of the individuals for whom he / she is liable.
2. Explosion
Direct material damage sustained by the insured home due to an explosion, even when no fire ensues and whether originating inside the insured home or in its vicinity, is insured. Likewise, the internal explosion of boilers, water heaters, fixed installations and piping is included.
3. Lightning
Direct material damage caused to the insured home through the direct action of lightning, even when no fire ensues, is guaranteed. Damage produced by surges or inductions due to lightning are only guaranteed by the cover that is regulated in Section A7. Electrical damage
The limit on the indemnity for these covers shall be 100% of the insured sum for building and / or contents.