My home was broke into and everything smashed i.e. Windows, doors, tv's, bathroom, bedroom furniture, etc, when the insurance was contacted I was told that since I could not stay in the house my accomation would be paid for. I did get some money from insurance I lost everything, but nine thousand was totally rubbish, I got nothing for my temp accomadation, nothing for clothes,nothing for small items I lost i.e. Kettle and other small goods pictures etc, I lost everything and got just vey little considering I had been paying insurance to the Halifax for a lot of years, my advice go elsewhere