Home owners Covers loss of or damage to the private dwelling house and out buildings, landlords fixtures and fittings due to an insured peril Household Contents: Covers loss of or damage to household goods and personal effects which belong to you, caused by an insured peril All Risks: Covers loss or damage of articles which are normally worn or carried on you and items specifically mentioned, anywhere in the world. Personal Accident: Provides compensation for death or bodily injury caused by violent, accidental, external and visible means. Benefits Available: Capital payments following death, permanent total or temporary total disablement and medical expenses.