… you suffer damage to or the loss of your household contents as a result of insured events. For example, a fire in the home, a lightning strike or water damage.
… you are broken into and lose your possession or are robbed with the use of force.
… insured water damage causes further damage to occur, such as a build-up of mould or pests.
...your household contents insurance pays if you have supplementary household contents «all risks» cover, for example, and your bicycle or mobile phone is destroyed or damaged due to an unforeseen event.
… losses arise as a result of unpredictable events such as war, terrorism, internal unrest or nuclear disasters.
… household contents used commercially or professionally are damaged.
… you damage your household contents intentionally.