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Home Insurance

Why do you need home insurance?

Buildings and contents insurance cover your home in the event of damage caused by extreme weather, fire in the home, water damage or if items in your home were damaged or stolen in a burglary. You may not be covered if you cause damage to your property yourself by accident, or if you lose or have your belongings stolen outside the home.

It comes in two parts: buildings insurance (cover against damage to the property itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you.

What is the difference b/w building and contents insurance?

Buildings insurance covers the structure of your home and its fixtures and fittings. This includes fitted kitchens and bathrooms, as well as walls, doors, windows and roofs. Contents insurance covers the things that make a house a home.

What is home contents insurance and what does it cover?

Home contents insurance covers the cost of replacing your belongings in your home if they are damaged, destroyed or stolen. As a general rule, your 'contents' are the items you would take with if you moved home. These include but are not limited to: Furniture: beds, sofas, wardrobes, and dining tables and chairs.

What is building insurance and what does it cover?

Buildings insurance covers the cost of repairing damage to the structural parts of your property. The structure includes things like the roof, windows and walls as well as permanent fixtures like bathroom suites and fitted kitchens.