Underground Pipes and Cables - supplying gas, electricity, oil or water, as well as sewage pipes, are insured against accidental damage. They are not insured against wear and tear. Glass - In doors, windows and skylights is covered against breakage together with baths, washbasins and WCs. It is a legal contract and if there is anything you do not understand ask for an explanation. An excess is an amount of money you have to pay towards the cost of each claim.
Excesses vary in amount.
They may apply only to certain types of claim or they may apply to all claims. Your policy will tell you. One excess that appears in almost all policies applies to damage caused by subsidence, heave or landslip. Common exclusions are war risks, damage caused by storm or flood to gates or fences, frost, sonic bangs and radioactive contamination from nuclear fuel or nuclear waste. The sum insured is the amount of money for which your home is covered.