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.10 Temporary removal of contents
Within the limits and conditions stipulated in the policy, this policy covers any material damage and losses caused to clothing, personal items and furnishings belonging to the insured that, during a trip of no more than three months, are outside the home designated in the schedule of this policy, as a result of a fire, explosion, lightning, water damage, theft with violence or theft with intimidation, providing such items would have been indemnified if the accident had occurred inside the insured building.
For this cover to come into force, at the time of the accident, the property must be provisionally located in private homes, seasonally rented residences or rooms in a hotel or guesthouse where the insured is staying. These locations shall have similar characteristics and safety conditions as those of the insured home, providing they do not constitute a second home.
In addition, the aforementioned cover is extended to include the temporary transport of the contents to the holiday location, carried out by normal means of public transport, except for motorcycles, with regard to accidents caused by fire, explosion, lightning, water, theft with violence and theft with intimidation, as well as accidents involving the means of transport.
This cover is applicable throughout Spain, the rest of the countries in the European Union and Switzerland, providing the insured's primary residence is in Spain.
The indemnity limit for this cover shall be 15% of the insured sum for contents, with a maximum of euros 1,500 per claim and euros 300 for cash.