Home insurance is a type of insurance product that protects your property and your belongings.
There are three main types of home insurance:
Buildings Insurance, Contents Insurance, Landlord Insurance. Buildings insurance covers the cost of repairing damage to the structure of your property. This includes the walls, windows and roof as well as permanent fixtures and fittings such as baths, toilets and fitted kitchens. As a general rule, buildings insurance covers the cost of rebuilding your house from the ground up.
Contents insurance on the other hand, covers the cost of replacing your belongings in your home if they are damaged, destroyed or stolen. Generally, your ‘contents’ are defined as the items that would fall out if you could pick your property up and turn it upside down.
Combined Buildings and contents is a convenient way to make sure everything is covered, you’ll often receive a discounted premium for combining the two.