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:
A6. Miscellaneous expenses
All duly justified expenses and / or losses necessarily incurred by the insured due to an accident covered by this policy are guaranteed for the reasons and up to the limits stated below:
1. Fire department assistance
The municipal fee for the intervention of the Fire Department due to an accident covered by this policy is guaranteed.
2. Salvage, extinguishing, demolition and debris removal
Any costs incurred from then application of the necessary measures taken by the relevant Authority or the insured to stop, extinguish or prevent a fire from spreading. The transport of the insured property to save it from fire and the potential damage that it may suffer during said salvage are included.
In addition, any necessary costs incurred to demolish a building or remove debris as a result of an accident covered by this policy are guaranteed.
The indemnity limit for cover 1 and 2 shall be 100% of the insured sum for building and / or contents.
3. Replacement of documents
Any expenses incurred from the replacement of personal documents concerning the ownership of the insured home and its habitability that are of a public nature, excluding those documents regarding professional or commercial activities, are guaranteed. The aforementioned expenses must be duly justified through the issue of the relevant copies.
The indemnity limit for this cover shall be 10% of the insured sum for contents.
4. Unihabitability of the home / loss of rent
Should the insured home become uninhabitable due to an accident covered by this policy. the insurer shall bear the following:
IF THE BUILDING IS INSURED:
The cost of renting another home with similar characteristics to those of the insured property for a period of time required to repair the damage caused by the accident, with a maximum limit of 12 months.
If the insured was renting the home, the indemnity will be limited to the rent the insured will not collect while the repair work is being performed on the insured home, with a maximum limit of 12 monthly rent payments.
The time required to repair the home shall be determined by loss adjusters. The expenses to be indemnified for the cost of renting a provisional home may not exceed those established by the real estate market for property with similar characteristics to those of the damaged home in the same area with the time limits indicated above.
IF THE CONTENTS ARE INSURED:
The cost of including the rental of furniture with similar characteristics for as long as the work to repair the damage caused by the accident lasts, with a maximum limit of 12 months.
Any costs incurred for the relocation of salvaged objects are also covered.
The indemnity limit for this cover shall be 100% of the insured sum for building and / or contents.