No - Greenbee Home Insurance is designed for families permanently living at the property. We're not able to cover homes that regularly take in lodgers.

Yes - as long as your business use is solely clerical, any business callers are by appointment only and you don't have more than ten business visits every week. We provide cover of up to £5,000, including up to £500 for business stock.

Most buildings cover insurance policies automatically include accidental damage to the following:

• cables
• fixed glass items
• underground services
• fixed ceramic hobs and hob covers
• greenhouses
• bathroom fittings

In addition to this, Greenbee Home Insurance covers you for accidents, such as putting your foot through the ceiling while you're in the loft.

Yes - unless they're damaged by storms, flooding, ground heave, landslide or natural wear and tear.

Subsidence is often confused with 'historical movement', so it's important to understand which applies to your property.

• Historical movement means the property has moved in the past, but is no longer moving.
• Subsidence is ongoing sinking that causes structural damage.

The signs of subsidence are windows and doors that begin to stick because the frames have moved, and cracking in the walls. A Local Authority search will show records of building work carried out at the property - including underpinning, which is commonly used to stop or prevent subsidence.

Yes you have the option to increase your personal possessions cover. Your personal possessions are automatically covered for up to £1,000, you can increase this figure to up to £15,000 for an additional premium. Please call 0800 916 6800 if you would like to discuss this with one of our advisors.

Some home insurance contents policies will pay for accidental damage to TVs, CD or DVD players and other home entertainment equipment. However some companies may well require you to pay an additional premium to cover things like DIY mishaps and spilling red wine on the sofa. Greenbee Home Insurance covers all of this as standard.

Items stolen from your car could be covered by either your home insurance or car insurance policy. However the levels of cover will differ between the two.

Unless you choose to select higher level cover, items kept in your car are protected for up to £1,000 under the personal possessions section of your Greenbee Home Insurance. However you can choose to pay an additional premium to increase personal possessions cover to up to £15,000.

Greenbee Car Insurance on the other hand includes up to £250 to cover the theft of items such as audio or sat nav equipment. In this instance however the item in your car would only be covered by your home or car insurance policy if your car was locked, all windows were closed and it was concealed in the boot.

By 'valuables' we mean non-household goods. For example:

• jewellery (including costume jewellery)
• other things made of gold, silver or precious metals
• cameras, camcorders or binoculars
• watches
• furs
• paintings and other works of art
• collections, such as stamps, coins or medals

These items are not included as most households have them. We treat TVs and computers as household furnishings - even though they're often worth a lot of money.

Yes. Greenbee Contents Cover is a 'new-for-old' policy. This means that all items lost or damaged will be replaced with new items or the cash equivalent. We do not make any deductions based upon wear or tear.

Yes - as long as the building is locked, and it's entirely on your land (as defined in the deeds to your property). Garden furniture kept outside is also covered up to a value of £1,000.

We'll pay up to £500 to replace locks or lock mechanisms as well as keys. However, this excludes keys for outbuildings such as sheds or garages.

Yes - if they normally live at home outside term time they are covered up to the total sum insured on your policy. However theft cover will be restricted at their term-time premises to forcible and violent entry, up to a value of £2,500.

Yes - we provide cover of up to £2,500 for a dependent relative's belongings whilst they are residing at a nursing home.

Yes - your contents cover applies to the whole of property. As long as that person is a direct family member and normally lives there, they're covered too.

Yes. We'll give you cover for up to £2 million if you or your family becomes legally liable to pay compensation. Our policy wording has a full explanation of this part of the policy.

No - our 24-hour Home Assistance (on 0845 603 1274) is included as standard. Our trained advisors will be able to provide immediate advice on how to minimise the impact of the emergency. They can also organise a qualified tradesperson to come out to you, in many cases within 2 hours.

In addition, our Home Emergency cover covers you for up to £1,500 for callout charges, labour, parts and materials.

The accidental damage part of your contents cover will pay for any loss or damage during the move, as long as you use a professional removal company.

Yes - as long as it's fitted and maintained by a professional alarm company. Make sure you turn it on when you're out. It's important to remember that if your alarm isn't active during a break-in, you'll have to pay the first £250 of any claim.

Yes - just give us a call on 0845 610 0300. Our policy terms and conditions give a full explanation of how to cancel a policy.

A joint policyholder can be a member of your family, a common-law partner, someone you have a mortgage with or someone that you have a joint bank account with.

Yes. Usually, mortgage providers will only require buildings cover as a condition of the mortgage contract.

To report a claim, call us on 0845 610 0301 (8am - 6pm Monday to Friday and 9am - 5pm on Saturdays). For emergency assistance, call 0845 603 1274, 24 hours a day, 7 days a week.

We will either repair your goods, replace them with new items, or pay out a sum equal to the cost we would have to pay for repair or replacement.

'Unlimited Buildings and Contents' relates to the sums insured on the policy. It means that, subject to eligibility criteria, no matter what the value of your contents (excluding valuables) and no matter what the value of your rebuild, this policy will cover it.

The benefit to you is there is no need for you to calculate the total value of your contents or figure out the rebuild value of your home, which is usually much less than the market value.

Remember, you'll still need to keep track of the amount of valuables you wish to insure.

'Inner limits' refer to the limits of the valuables covered within the overall contents policy. Although Greenbee Contents Cover is unlimited, there are limits for valuables - we offer £10,000 for a single item and up to £20,000 for valuables in total.

If you move house you will need to contact us on 0845 610 0300 prior to your move in order that we can arrange for cover to be transferred to your new property. Moving house may mean your premium could increase or decrease, as postcode, number of bedrooms and type of property are rating factors that help determine the premium you pay.

If you need to rent your property you will need to contact us on 0845 610 0300 prior to tenants moving in. That way we can either make the necessary amendments to the policy or should the need arise recommend an alternative Greenbee policy, which would be more suitable for your requirements.

Our policy allows for the property to be unoccupied for up to 60 consecutive days. If you are going to be away from the property for more than this time, please call us on 0845 610 0300. If your property is usually unoccupied, our Specialist Home Insurance may be able to provide cover.

Yes. Just as you do when shopping in John Lewis, Waitrose and Ocado. You can earn one point for every £1 spent when you purchase from Greenbee using your partnership card.
Find out more about the partnership card.

Yes. If you buy Greenbee Buildings and Contents Cover together we'll give you a 10% discount.

The standard excess for our Home Insurance is £200, however claims relating to water damage have a £250 excess.

Greenbee Home Insurance offers Family Legal Protection as an optional extra. This provides up to £50,000 cover for legal costs you may incur in relation to civil claims over the sale of goods, employment or damage to your property. A free 24 hour helpline for any legal matters is also available to those who have selected this cover when arranging their policy.