This policy does not cover:

• General exclusions:

Wear and tear or gradual damage

Mechanical or electrical breakdown

Maintenance or routine repairs

Damage when your home is unoccupied or unfurnished

Property-related exclusions:

• Scratches or dents
• Damage to windows or door frames
• Items not owned by you or someone in your household

Specific items not covered:

• Portable electronics (e.g. phones, laptops, tablets, cameras)