Liberty Quality Home - house and contents insurance
B2. All risk insurance against accidental damage
B.2.1. COVER INSIDE THE HOME
Any direct material damage caused to the insured property regarding the structure (building) and the contents (furniture, fixtures and valuable objects) due to accidental causes other than those stipulated in the basic covers from A1. to A12. inclusive, shall be guaranteed providing that such accidental causes are specifically included in the optional cover in the schedule of the insurance policy and the relevant premium has been paid.
Accidental causes shall be construed as any sudden, unexpected and spontaneous events caused by circumstances beyond the insured's control.
The following conditions shall apply to the optional all risk cover against accidental damage:
- The covers, guarantees, conditions, limits and exclusions of the basic covers shall be fully and solely applicable when the accident corresponds to any of the cases set forth therein, without this cover supplementing, replacing or modifying the limits or exclusions of the aforementioned covers.
- The following cases are specifically covered:
... atmospheric, meteorological, seismic and geological phenomena that are not construed as extraordinary risks according to current legislation
... Any landslides or settlement movements, subsidence or the sliding or softening of the land that is not construed as an extraordinary risk according to current legislation.
The covers indicated with regard to contents are limited to damage or losses occuring inside the home.
Deductible: Any damage worth less than euros 90 shall not be indemnified. No deductible shall be applicable if the amount to be indemnified is more than the aforementioned amount.
B2.2. Extension of all risk against accidental damage to contents
B3. Compulsory hunting liability