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Home insurance covers the cost of repairing or rebuilding your home, or replacing the things in it if they are damaged, lost or stolen. You can insure your buildings or the contents of your home - or both.
What kind of cover do you need?
Home insurance is a term used to cover both contents insurance and buildings insurance. Policies that cover the possessions in your home come under the title of contents insurance.
Those that cover the building, including any outbuildings such as sheds are referred to as buildings insurance.
Buildings and contents insurance are often sold separately.
Although most home insurance is not legally required, many mortgage lenders will insist that you have buildings insurance.
What risks do you want to protect against?
Buildings insurance generally covers your home against risks including flood, fire and subsidence. Contents insurance will cover you against your property being stolen and some policies may cover you if something in your home is damaged by accident.
However, the policies vary greatly in detail and you need to check the exclusions - things the policy won’t cover - very carefully before you buy.
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