There are three main home insurance types:
- buildings only insurance,
- contents only insurance, or
- Combined buildings and contents cover.
Here’s a summary of what they cover:
- Cover for Alternative accommodation cover for all your family and pets
- Cover for Building insurance
- Cover for Contents
- 24 hour claims helpline
- Family legal expenses cover
- Home emergency cover
Building insurance may come in different packages as below;
Buildings only insurance
Covers the cost to repair or replace the actual bricks and mortar of your home if it’s damaged or destroyed by things like fire, water leaks or storms. Outbuildings such as sheds and garages are also covered, as are permanent fixtures like fitted kitchens and bathroom suites.
Contents only insurance
Protects your personal belongings against loss or damage caused by things like theft, attempted theft, fire, smoke, water leaks and weather-related damage. Items covered include everything from your sofa and TV to your bed and clothes. You can take out extra cover for high-value items and items you take away from the home, like bicycles.
Combined buildings and contents
Combines the above types of cover into one, easier-to-manage policy. Taking out combined insurance means you only have one renewal date to remember and you’re likely to get a discount on your premium too.
