What does Buildings Insurance cover?
Buildings Insurance covers the structure of your home and any permanent fixtures.
- The walls, roof, floors, and ceilings
- Permanent fixtures such as kitchens and bathrooms
- Garages, sheds, and other outbuildings
- Damage caused by fire, flood, storm, or subsidence (subject to policy terms)
- Burst pipes and escape of water
It’s designed to cover the cost of repairing or rebuilding your home if it’s damaged or destroyed by an insured event.
What does Contents Insurance cover?
Contents Insurance protects your personal belongings inside the home.
- Furniture and furnishings
- Clothing and personal items
- Electrical items such as TVs, laptops, and appliances
- Carpets, curtains, and soft furnishings
- Personal belongings stolen or damaged in the home
Some policies can also include cover for items taken outside the home, such as phones or laptops, if this option is selected.
Do I need Buildings and Contents Insurance?
If you own your home, buildings insurance is usually essential and often required by your mortgage lender.
Contents insurance is important if you want protection against the cost of replacing your belongings after theft, fire, or damage.
Even if you don’t think you own many valuable items, the cost of replacing everyday belongings can add up quickly.