What Types of Home Insurance Cover Should You Buy?
There are two main types of home insurance cover that you may purchase: buildings insurance and contents insurance. Buildings insurance covers the actual structure of your home including the roof and walls, while contents insurance covers everything inside the home such as possessions, furniture and audio equipment. Sometimes an insurance company will allow you to group the two policies together, eliminating the need to purchase each one separately. Other times, an insurance company may give you contents insurance free of charge if you purchase a buildings insurance policy with them.
Buildings insurance covers every permanent structure of your home such as floors, windows, walls, the roof, electrical wiring and plumbing. Additionally, the land on which your home sits may also be covered, along with semi-permanent structures inside your home such as a bathroom suite or fitted kitchen. Depending on your living situation, you may consider purchasing buildings insurance that covers outdoor structures including gates, patios, fences, greenhouses, garages, driveways, sheds or even your tennis court or swimming pool. Essentially, anything that you are not going to take with you if you move off of the property can be covered under buildings insurance. Some policies may cover the cost of an alternative living situation should your property be deemed temporarily uninhabitable, such as in the event of fire damage.
Content insurance is used to protect items found in your home that
you would take with you if you moved, but within reason. Each
insurance company will have a different set of rules regarding what
is and what is not covered, but a typical contents insurance policy
will include furniture such as dining tables, desks and sofas;
perishables such as food that is in your kitchen cupboards, freezer
or fridge; personal belongings like DVDs, CDs, books, ornaments and
videos; decorations including rugs, curtains and carpets;
electronics such as electric kettles, washing machines and other
small appliances, computers, televisions, MP3 players, DVD players,
audio equipment and game consoles.
Need to buy a policy now? Take a look at the latest offers from Churchill home insurance.
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