Home Insurance

There’s no place like home. Keep yours protected

Our homes are our sanctuaries, so we need to keep them safe. Taking out home insurance lets you repair damage and replace treasured items if anything goes wrong.

What is home insurance?

There are two types of home insurance: buildings and contents.

Buildings insurance protects you if there is structural damage to your home. Leaking roofs, damaged walls and broken windows are all expensive to repair. Building insurance helps to cover the cost.

Contents insurance covers items in your home that become damaged or stolen, including electronics, jewellery, clothing and furniture. Some content insurance policies also cover possessions that are lost or damaged outside of your home.

You can choose to take out combined buildings and contents home insurance or separate policies.

What should I keep in mind?

The kind of home insurance you need depends on your circumstances.

Homeowners should generally take out combined buildings and contents insurance, as they are responsible for repairing damage and replacing possessions.

Tenants don't usually need to take out buildings insurance: that's the landlord's responsibility. They should, however, take out contents insurance to cover damaged or stolen items.

Landlords cannot take out a home insurance policy on a rental property. Instead, they'll need landlord insurance.

You'll need to consider: