Home Insurance ? The Basics

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What is home insurance? Home insurance is actually an umbrella term used for two separate types of cover – buildings and contents. They are just often taken together by the same insurer.

The buildings part covers damage to the actual bricks and mortar of your home. The most common examples of this are fire, flooding or leaking pipes. However, policies also cover subsidence (when the ground contracts under your home causing the structure to move and crack), storm damage and even the impact of items falling out of passing aircraft.

As well as the shell of your home, buildings insurance also covers permanent fixtures and fittings such as baths and toilets, fitted kitchens and bedroom cupboards. Outbuildings like garages, greenhouses and sheds are typically also covered – though you should always check