In simple terms, Home Insurance protects your home. This insurance is in the form of buildings insurance that covers the actual “bricks and mortar” of your property, and contents insurance that protects your belongings from loss and damage.
Few, if any, material possessions in life are more important than the roof over our heads and the belongings we treasure. If you are borrowing from a mortgage lender, you’ll usually be required to take out adequate buildings insurance because lenders want to protect themselves if the property is damaged or destroyed.
Buildings insurance generally covers against damage from things like storm and flood, fire and subsidence. It also covers permanent fixtures and fittings in the property, like the bathroom suite, kitchen, fitted wardrobes and decoration, but you should always check your policy schedule carefully so that you know exactly what is and isn't covered.
Most people do not realise the value of the contents within their home or the cost of replacing them were they to be lost or damaged until something happens. It is important to ensure that your contents are properly protected, or risk significant financial loss should loss or damage occur.
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