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Understanding home insurance, what it covers, different types, what's included and excluded, and how to choose the right policy.
Home insurance protects your property and belongings from damage, theft, and other risks. It's usually split into two main types: buildings insurance (for the structure) and contents insurance (for your possessions).
While buildings insurance is often required by your mortgage lender, contents insurance is optional but highly recommended to protect your valuable belongings.
Buildings insurance covers:
What it protects against:
What's usually excluded:
Contents insurance covers:
What it protects against:
What's usually excluded:
You must have buildings insurance if:
You don't need it if:
Even if not required:
Contents insurance is optional but recommended:
Consider it if you have:
Buildings insurance:
Contents insurance:
For buildings insurance:
For contents insurance:
Accidental damage covers:
Usually an optional add-on:
Away from home cover:
Examples:
If you need to claim:
What to expect:
Ways to save:
Home & Lifestyle Writer
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