What risks are not covered by multi-risk home insurance policies?

The policies do not usually cover certain risks, such as fire due to an accident involving someone smoking, theft of goods outside the home, damage caused by lack of maintenance and superficial damage to window panes.

However, some other risks are usually covered by this product and are very important, including: damage to refrigerated items, the cost of cosmetic repairs following an incident covered by the policy, legal defence, IT assistance and repairs.