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:
A5. Theft with violence , mugging or theft with intimidation or attempted theft with violence or attempted theft with intimidation or mysterious disappearance.
1. Theft with violence , mugging or theft with intimidation and / or attempts thereof (inside the home)
The material losses sustained by the insured due to the disappearance, destruction or deterioration of the insued property, as well as any damage or imperfections caused to the building in case of theft with violence, attempted theft with violence, mugging or theft with intimidation inside the home are guaranteed.
The following indemnity limits shall apply:
DAMAGE TO THE BUILDING
Up to 100% of the insured sum for building is guaranteed.
If the building is not insured, any damage sustained by the building shall be guaranteed for up to a limit of 10% of the insured sum for contents, with a maximum of 1,800 euros per claim.
CONTENTS
Up to 100% of the insured sum for contents is guaranteed, with the following limits:
Valuable objects (jewels, jewellery and objects of special value):
Jewels, jewellery and objects of special value are guaranteed for up to a limit of 20% of the insured sum for contents, providing the unit value thereof of value per pair, set or collection is less than euros 2,000.
Should the 20% limit indicated in the preceding paragraph be exceeded, the cover for this policy is conditional upon the excess being declared and the insured sum in the schedule of the policy being indicated on collection of the relevant premium.
The same rule applies for jewels, jewellery and objects of special value whose unit value or value per pair, set or collection is more than euros 2,000, which must be expressly declared and are insured for up to the insured sum expressly listed in the schedule of this policy.
Jewels with a unit value in excess of euros 6,000 shall only be covered if they are kept in a safe, as defined in the preliminaries of these general conditions, which should remain locked.
Cash
Cash is guaranteed on a first loss basis for up to euros 300 per claim.
Objects left in junk rooms or adjoining buildings
The insured property left in junk rooms or adjoining buildings, such as the garage, found in the same building as the insured home is guaranteed. This cover shall be limited to a maximum of euros 3,000 per claim, with a limit of euros 600 per item.