Home Insurance can be split into two areas, Buildings and Contents. Buildings Insurance will protect the bricks and mortar of the house against such risks as flood, fire etc. Contents Insurance will protect all of your personal furniture and belongings against such risks as fire and flood but also against theft and in some cases accidental damage. Additional items such as jewellery, bikes and tools in sheds can also be protected.
It is important to think about your Home Insurance carefully to make sure that you are fully covered and it is also important to review your cover annually to make sure that not only are you getting the best price for your cover, but that your cover remains suitable for your needs. There are a number of factors that will influence the cost of your policy such as your postcode and previous claims history.
If you are purchasing a property, it is important to note that your Home Insurance must be in place by Exchange of Contracts.
As with all insurance policies, conditions and exclusions will apply.