Home Insurance

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What Is Home Insurance And Do I Need It?

For most of us, our home is the most expensive thing we will ever buy.  The cost of repairing or rebuilding it in the event of a natural disaster would be far too high for most of us to pay.  For this reason, it is essential that you buy insurance to cover the cost of returning your property to its original state no matter what the eventuality.

Not only does our home provide us with a permanent place to live, and put a roof over our heads, it also contains most if not all of our worldly possessions!

Even if you do not own the property you live in, or even the furniture within in, it is still important to have cover for the cost of your possessions.  In the event of a fire or a flood it is not only the costly things you need to replace like tv’s, computers etc but also the everyday items such as clothing and kitchen items.

So What Sort Of Cover Do I Need?

There are 2 main types of insurance - Buildings Insurance and Contents Insurance.

Buildings Insurance

This type of insurance covers the actual building you live in.  (If you are a tenant living in rented accommodation, then building insurance is not usually your responsibility – but make sure you check the terms of your lease)

Your buildings insurance will be rated on the specific details of both the land that your property is on and the construction of the building itself, so it is imperative that you provide as much information as possible.

Contents Insurance

This type of insurance is not just for homeowners – it is for anyone with possessions kept within their home.

There are many additions and extensions available on contents policies, these can include:

  • Garden equipment
  • Bicycles
  • Items away from the home
  • Legal expenses
  • Freezer cover
  • Money & credit card cover
  • Specified personal possessions
  • Small craft

Some Insurers offer a combined policy to cover both Buildings and Contents.  We will always look at your specific requirements, to decide if a combined or separate policies are best for you.

Please give us a call, or request a call back, and we can discuss your requirements, and as always:

If we can’t give you the best price, we will always give the best advice.


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