What is Home & Contents Insurance?

Home and Contents Insurance is a policy that is made up of both buildings insurance and home contents insurance, this means that the homeowner’s structure of their home and everything inside it is protected from disaster.

It can be heartbreaking to lose valuable belongings, and while it can in no way replace what you’ve lost, Home & Contents Insurance can at least take some of the sting away. It will also cover you in the event that your house needs urgent repairs. Not having insurance for your home or contents can quickly add up to a sum far exceeding the cost of a good quality insurance plan.


What are the different types of Home Insurance?

There are multiple types of home insurance and the main ones are:

  • Buildings Insurance (covers you if something happens to your home)

  • Contents Insurance (covers the cost of replacing or repairing your possessions)

  • Buildings & Contents Insurance (protects both your home and your possessions inside your home)


What does Home Insurance usually cover?

A standard home insurance policy should cover damage to your home caused by:

  • Fire
  • Flooding and Storms
  • Frozen or Burst Pipes
  • Wild Animals and Rodents
  • Malicious Damage and Vandalism
  • Subsidence, Heave or Landslip
  • Falling trees or Unexpected Impact
  • Theft or Attempted Theft

If you wanted to add an additional cover which isn’t listed in the providers criteria, then you generally can do so but you will have to pay extra charges for each individual cover you are adding onto your policy.


Why is Home & Contents Insurance important?

Protecting your home and your belongings is a must, whether you’re a renter or own your own property. For most of us, our homes are the biggest investment we will ever make, and having insurance cover in place to protect you from the costs of maintaining your home or covering repairs if anything were to happen is really important.

With decades of experience and expertise in finding Home and Contents Insurance for our customers, we are well-placed to advise you on your tailored insurance solutions that meet your specific needs. Whether you live in a property with unique features that would be costly to repair, or you want to ensure valuable belongings can be replaced, we’re the team to find insurance that suits you and your home.




01332 382917
4 St Georges House,
Vernon Gate,
DE1 1UQ.