This covers household goods, personal property, valuables and pedal cycles in your home and while temporarily removed, plus any landlord's business contents that you are specifically responsible for under your tenancy agreement against insured perils such as fire, lightening, explosion, earthquake, malicious damage, storm or flood, theft, subsidence and breakage of glass. Cover can be arranged for a set premium (subject to a full quotation), and accidental damage and/or personal possessions cover can be added for an additional premium.