Contents are defined and can be insured ‘new for old’ or on an indemnity basis against named perils or against ‘accidental damage’ basis. Sums insured are fixed at the outset but index-linked. There is limited cover for contents in the open and theft from outbuildings. Additional coverage areas include: alternative accommodation; loss of water; freezer contents; temporary removal; business equipment; personal liability; occupiers’ liability; employers’ liability for domestic employees. The policy contains an unoccupancy clause. High risk property is subject to an inner limit sum insured and a single article limit.