Home insurance is important, whether you’re a homeowner or renting. It can help to meet the cost of damage to the contents of your home, structural repairs and the loss of your most precious possessions. There are two types of home insurance:
Buildings insurance – this covers the structure of the building, including walls, windows and the roof, as well as permanent fixtures such as bathroom fittings and a kitchen. The insurance will usually cover the cost of carrying out repairs and replacements to make the building as it was before any damage.
Best for: homeowners
Contents insurance – this type of insurance covers everything in your home, from the beds and the carpet, to the TV and your clothes. Many of us don’t realise just how much our contents could be worth if we had to replace everything. Contents insurance normally works on the basis of new for old i.e. if your sofa is damaged in a fire it will be replaced with a new one.
Best for: homeowners and tenants
Who needs home insurance?
All of us benefit from having home insurance, as it reduces the risk of being out of pocket if something unexpected happens. Whether it’s a burglary, a flood, subsidence or burst pipes, the damage done could be impossible to pay for without insurance cover. Home insurance is recommended for:
- Homeowners
- Tenants
- Landlords
- Students
- Self-builders
- Homes in flood risk areas
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