Staying Home

HOME INSURANCE

PROTECT YOUR HOME AND YOUR BELONGINGS.

There are three main types of home insurance policies:

  • Building – Covers the structure and all the fixtures and fittings

  • Contents – Covers your belongings

  • Combined Building and Contents

Buildings insurance covers the cost of repairing or rebuilding the structure of your home that is damaged by events such as a flood, fire or a storm.

This also covers permanent fixtures in your home, such as fitted kitchens and fitted bedroom furniture. This doesn’t include the items inside your home – you’d need contents insurance for that.

Contents Insurance covers the cost of repairing or replacing the items in your home that have been stolen, or damaged by events such as a flood, fire or storm. This includes household goods and personal effects owned by you or your family.

You can also add elements such as accidental damage, high risk items and legal cover to your policy.