Home insurance is a broad term used to describe different policies. You can take out buildings insurance, contents cover or a combination of buildings and contents cover.
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Buildings cover protects the physical structure of your home; the bricks and mortar. So if your walls, floors, ceiling, roof, fitted kitchen and such like experience damage you could make a claim according to your policy details. This insurance is ideal for home owners looking to safeguard their investment. Many mortgage lenders will require you to have such coverage.
Contents insurance covers all of your physical possessions and is tailored depending on the value of your items. As landlords usually take care of buildings home insurance, contents insurance is ideal for renters looking to safeguards their assets.
Home owners with a combined buildings and contents insurance policy can enjoy optimum protection if the worst should happen.