What is home insurance?

Home insurance is a product which offers peace of mind, so that if you were to have a break in, or your home was damaged by fire an insurance would be in place. Usually buildings insurance protects the main structure of your home, whilst the contents insurance is in place for all the products which are considered as non-permanent fixtures within the home.

What is included in buildings insurance?

•   Buildings insurance is in place to cover the structure of your home.
•   Insurance cover for what are considered to be permanent fixtures within your home, which includes stuff like, kitchen surfaces, baths, showers, basins and taps.
•   The boundary walls, pools, drives, paths and outbuildings.
•   It also covers for any temporary accommodation in the event of your home becoming uninhabitable whilst being repaired.

What does contents insurance cover?

Contents insurance covers for all items and aspects of insurance that buildings insurance doesn’t cover for. Things like:

•   Insurance cover for replacement locks if your keys are stolen or lost.
•   Insurance cover includes new for old replacements on household items (except linen and clothing).
•   Insurance cover for home office equipment if lost or damaged.
•   Insurance cover for accidental damage on mirrors, fixed glass and home entertainment equipment.

Insuring your home, particularly if you own the property yourself is essential. Without home insurance, you could face hefty bills if the worst came to the worst. It is well worth checking out the internet for more information on home insurance and related products.