Home (household) insurance provides cover from events that damage your home or possessions. In the event that your home is damaged or destroyed, the correct insurance could result in the insurance company rebuilding your home. It could also assist with replacing your possessions.
Home Insurance
Type of Insurance Cover
Home insurance is comprised of buildings insurance and contents insurance, which can be bought separately or together from the same provider.
Buildings Insurance
Buildings insurance covers the physical structure of your property, which includes the walls, roof and floors. It also covers any permanent fixtures - internal and external structures are usually covered too.
Contents Insurance
Contents insurance covers anything within your home that could be removed and taken to another property – clothes, furniture, fridge and television (carpets are also usually included). There are some exceptions so always check what’s included in the definition of ‘contents’ in your policy.
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Frequently Asked Questions
- What type of home insurance do I need?
- What details do I need to provide to get a quote?
- Should I pay monthly or annually?
This depends on whether you own your home or are renting. If you are a homeowner then you’ll need buildings and contents insurance. If you are renting, you will usually require, just, contents insurance.
Landlords will require Buildings insurance to cover the property/ properties they are renting out.
It is cheaper to pay for insurance annually. If paying monthly, we use an external company, Premium Credit, which pay the insurance and then charge you over a 10 month period adding on approximately 9% interest.
