What does home insurance cover?
Home insurance policies fall into two common types - buildings and contents insurance - and you can choose either one or both of these based on your needs.
If you're a homeowner, then it might be worth considering a buildings insurance policy. Although it's not a legal requirement, some mortgage lenders may insist that you have at least a buildings insurance policy in place.
Buildings cover insures your bricks and mortar against fire, flood and subsidence damage and could include:
- The building itself (including the roof)
- Any fitted fixtures
- Garden sheds
- Some policies could include boilers as well
If you're a tenant your landlord is usually responsible for insuring the building itself, but not your belongings. Contents cover is generally aimed at tenants, though it's a policy that everyone should consider.
Contents insurance protects your belongings against problems like theft, damage and loss, and it could cover:
- Your gadgets (laptop, smartphone, TV)
- Your furniture e.g. bookcases, wardrobes, sofas
- Clothes and jewellery
- Family heirlooms and antiques
Not sure how much your belongings are worth? Check out our handy contents calculator before getting a contents insurance quote.
The combined policy covers both buildings and contents and is only suitable for those who own their homes.
Why should I compare home insurance quotes with Confused.com?
We do our best to make sure that you get our best prices from some of the best brands in the market.
With over a decade of experience in the industry, we want to share our expertise with you so that protecting your home doesn't cost the earth: