Home insurance comes in two options: buildings insurance and contents insurance. The type of insurance you need will depend whether you own your own home, and on what you want to cover.
Buildings insurance
If you own your own home – or you’re a landlord – buildings insurance is essential cover. Buying a home is one of the biggest financial risks most of us will take and buildings insurance ensures that any damage or destruction of your home can be remedied without a large cost to you.
Buildings insurance covers: the structure of your home, for example the windows, roof, attic, doors and floors.
Generally, buildings insurance policies will cover you for: fire, floods, vandalism, subsidence, leaking pipes, explosions, crashed vehicles, smoke damage and storms.
Contents insurance
All of us have possessions and home contents insurance provides cover should anything happen to them, whether it’s your fault or someone else’s. Basic contents insurance provides cover for damage and breakage of the contents of your home, from electronic goods, to furniture, carpets and appliances. It’s also possible to add contents cover for items taken out of your home, for accidental damage and for high value items.
It may be that you need both home and contents insurance, in which case you can search for a combined policy that offers both.
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