If your home is your haven, you'll want it to have the best
protection. Compare home insurance quotes from our range
of handpicked insurers and tailor a policy to suit you.

There are 2 different types of home insurance. The names give it away a bit, but here's an explanation:

Types of Home Insurance

Buildings Insurance

This covers the actual structure of your building and is often taken out alongside your mortgage. Your mortgage lender will probably insist you have it, for their financial security as well as yours.

As well as covering damage to the actual bricks and mortar, buildings insurance usually covers permanent fixtures and fittings too - like doors, windows, skirting boards and bathroom fittings.

If your whole house burnt down, you could be pretty helpless without buildings insurance as you'd have to cover the costs out of your own pocket. Even a small fire or flood could result in significant repair and clean-up costs.

Contents Insurance

This covers the possessions inside your home. Typically, anything you would take with you if you were to move house
is classed as 'contents'.  This is different from buildings insurance which covers the actual structure of your property.

Should any of your possessions become damaged or stolen, 
a contents insurance policy could help you cover costs. 
From curtains to antiques, it can help financially protect all 
the items in your home.

It's important to accurately insure the collective value of all 
your contents. If you over-insure your items, you could be paying for unnecessary cover. Equally, if you under-insure 
all your belongings you could be out of pocket should you 
need to claim.