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19 August 2019
5 min read
Home insurance helps to protect your property and its contents from unforeseen events, such as, fire, flood, storm, theft and escape of water. Home insurance however, doesn’t always cover everything. For example, it doesn’t cover repairs or replacements due to general wear and tear, or damage that happens gradually over a period of time, such as damp or rot.
Home insurance can cover your building or contents separately or as a combined buildings and contents policy. It’s important to understand what each of these policies are and the different cover you may need.
Buildings insurance protects the structure of your property within the boundaries of the land belonging to your home against unforeseen events like fire, storm, flood, theft and escape of water. It covers the costs of repairing or rebuilding the structure of your property and its permanent fixtures and fittings, should they be damaged. This includes the roof, floors, walls, sheds, garages, greenhouses, permanent fixtures and fittings such as baths, toilets and fitted kitchens.
Contents insurance protects your personal belongings in your home. It covers the contents of your property and your personal belongings against loss or damage while in the home. This includes furniture, kitchen appliances, curtains, bedding, clothing, televisions, computer equipment and jewellery. If you’re renting or sharing a house, you can chose to protect your belongings with contents only cover.
Combined policies protect both the structure of your property within the boundaries of your home and your contents and personal belongings whilst in the home. The combined policy gives you peace of mind that your property and contents are protected together and can be cheaper than two separate standalone options.
It’s important to note that policies can differ depending on the provider, and there are additional premiums that can be added onto your policy that cover particular scenarios. For instance, Family Legal Protection can be added to your home insurance policy to cover the costs of pursuing certain legal proceedings.
With all insurance policies limitations and exclusions apply. For more details of what is and isn’t covered in your home insurance policy, please check your policy documents carefully or speak to your insurer.
If you’re interested in taking out home insurance, take a look at our home insurance page.
*When buying home insurance, ensure that you fill in the application accurately and honestly as not doing so can invalidate your policy, for example not declaring that you are within a certain distance of water/a body of water could mean if you were impacted by flood you wouldn’t be able to claim. Also, certain features of a house aren’t covered as standard, things like Thatched roofs for example need specialist cover that isn’t available as standard.
If you don’t know the answer to a question in the application, the best thing is to get advice from your insurer.
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