M&S Home Insurance

Ideal for families with young children, DIY enthusiasts or anyone looking for extra peace of mind

• Protects against sudden, unintentional and unforeseen incidents such as smashing a window with a football or hammering a nail into a pipe
• Covers accidental damage to either your building, its contents or both
• Accidental damage caused by pets knocking over personal items

Examples of what’s not covered:

• Damage caused by a storm to fences, gates and hedges
• Damage caused by faulty workmanship, design or materials
• Damage caused by pets, such as scratching, fouling, or chewing

Items you take outside your home worth less than £2,500 individually are not covered automatically for loss, theft or damage by contents insurance. If you want to insure these items, for example jewellery or mobile phones, you’ll need to add personal belongings cover.

There is a limit per item of £2,500 and individual limits also apply for mobile phones (£500), personal money (£750) and credit cards (£1,000). To cover items with a value above these limits, they’ll need to be specified on your policy under the ‘High risk items’ option.

Examples of what’s not covered:

• Loss or damage caused by theft or attempted theft from an unattended motor vehicle
• Loss within the home to items which are not high-risk property

This is designed to cover you for theft, loss or damage to individual items at home and away that are valued at over £2,500. You need to specify these items to ensure they are fully covered.

• Mobile phones up to £500 are automatically covered within the home under Contents cover as standard. If your policy includes accidental damage, your phone is covered for it too.
• If you add unspecified personal belongings cover to your policy, any mobile phones up to £500 are covered away from the home as well.
• If you wish to cover a phone worth more than £500 away from the home, this must be listed individually on your policy under the optional mobile phone cover.

This provides immediate assistance from professional tradesmen to deal with a range of emergency incidents around the home that need resolving as soon as possible. This includes boiler breakdown, a blocked drain or a burst pipe. The policy provides cover up to £1,500 (inc VAT) per claim with no annual maximum limit on claims and no excess.

Examples of what’s not covered:

• Blocked toilets or drains where the cause is a result of misuse or the internal workings of the flush
• Boilers that are over 15 years old

This provides you and your family up to £150,000 to cover a range of legal help and support. It protects you against the costs of being sued or having to make a claim against someone else for things like employment disputes, personal injury or property issues.

Examples of what’s not covered:

• Incidents that started before the policy
• Claims relating to anyone you live with or have lived with previously