Home insurance protects your home – and by extension your finances – by covering you in the event of the unexpected. This might be fire, flooding, theft or accidental damage. If you need something replaced, rebuilt or otherwise fixed, home insurance can help cover the cost.
There are two types of home insurance – for the house itself and for the stuff inside. These are referred to as buildings and contents insurance respectively, and you might just need one of them, the other, or both.
If you’re a homeowner, buildings insurance is often a condition of your mortgage. Even though it is not a legal requirement, it’s pretty important to make sure walls, roofs and floors are covered in the event of damage, and sometimes fixtures and fittings are part of the policy too.
Contents insurance looks after your personal belongings – things like clothes, jewellery, electrical goods and furniture. Policies don’t pay out for general wear and tear, but you should be able to make a claim for theft, fires and flooding. Accidental damage tends to be an optional extra.
If you rent your home rather than own it, a landlord should provide buildings cover but finding contents insurance will be up to you.
No one home is exactly alike, just as no one policyholder is - get a quote today to find the best policy that suits your individual needs.
*51% of consumers could achieve this saving with Union Insurance Services, in partnership with MoneySuperMarket. Based on online independent research by Consumer Intelligence during 1st Apr to 30th Apr 2025.
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