What does home insurance cover you for?

Home Insurance is split into two types of cover; buildings insurance and contents insurance. Usually insurance providers will offer the option of taking each type individually as well as offering a deal which includes both. Most insurers will tell you in detail about what their policies cover you for on their websites. It’s always important to know you’re insurer and if you have any questions about items that you’re not sure will be covered, be sure to ask them before you take out the policy.
In general both buildings and contents insurance will cover you for loss or damage caused by fire, lightning, explosions, earthquakes, smoke, riots, theft, subsidence, storms and floods.


Buildings insurance will generally cover structural areas like walls, ceilings, floors, roofs windows, doors, drainage, garages and any outbuildings, as well as permanent fixtures such as work-tops and bathroom suites.
Contents insurance will generally cover you for items categorised as ‘items you’d take with you if you were to move’ for example sofas, fridges, bikes, T.V’s, computers, beds, curtains. Depending on the provider some will also include or offer additional cover on items like: large amounts cash kept in the home, jewellery, external locks and freezer contents etc.
You can understand why most people opt for the package deals that cover both buildings and contents. Again it’s vital that you check with your provider what your policy covers you for, make a list of everything and go through over the phone before making any sort of payment.