Types of Home Insurance

There are two main types of home insurance: Buildings Insurance and Contents Insurance. Building insurance covers the actual structure of your property, such as the roof and walls, whilst contents insurance covers the items found in your home, such as audio equipment and furniture. Many insurers will provide both types of insurance in one policy, reducing the need for separate cover. Some insurance providers will automatically provide free contents insurance when you take out their buildings insurance policy.

In addition to these two main types of cover, many insurers offer specialised home insurances, each of which aims to cater for a specific kind of property. For example, if your property is a cottage with a thatched roof it is considered to be at a higher risk of suffering fire damage; as such, you may find obtaining conventional insurance difficult or find that the cover provided is inadequate. Specialised Thatched Roof / Cottage home insurance would provide you with appropriate cover to better insure your property.


For more details about the different types of home insurance available see:

 

• Buildings Insurance
• Contents Insurance
• Specialised Insurance