Page 47 - Policy Wording - Hollard Prestige Portfolio 1.4

Section 1 – Home
Specific definitions for this section
○ Home: The building at the insured address including the outbuildings such as garages, guest cottages, domestic employees’ quarters, studios, stables, change rooms, garden sheds and greenhouses.
○ Home also includes:
– your or your tenant’s permanent fixtures, fittings and improvements such as:
• fixed wall coverings such as paint, wallpaper and wall tiles
• fixed floor coverings including timber floor coverings, carpets and tiles
• fitted furniture and fitted appliances.
– electrical and gas appliances, light fittings if these appliances are permanently connected or plumbed to the electricity supply
– domestic fixed fuel tanks, rainwater tanks, solar power and water systems, water recycling systems and geysers up to the limit stated in the schedule
– fish tanks/aquariums including their stands and cabinets that are fixtures
– keys or locks including the reprogramming of any alarms, electronic locks and/or security devices
– swimming pools including swimming pool pumps, saunas, spa baths, hot tubs, ornamental ponds, fish ponds and fountains, permanently installed watering or irrigation systems
– garden lights and lighting systems
– underground water, gas and service pipes, cables, sewers and drains, domestic boreholes including pumps
you own or are legally responsible for
– terraces, patios, hard tennis courts, paved driveways, footpaths constructed of brick or concrete
– glass doors, windows and sanitary ware, replacement of lettering or other ornamental work and alarm foil on glass
– radio and television aerials, satellite dishes, their fittings and masts
– fixed equipment: fixed filters, pumps, gate and door motors, fire and burglar alarm systems, electric
fencing, generators, climate-control systems and air-conditioning plants.
○ Home does not include We do not pay for:
– inflatable swimming pools or portable spas
– a hotel, motel or boarding house
Hollard Prestige Portfolio – Version 1.4 – 2 Feb 2023 45