Buildings Insurance
Covers the cost of repairing or replacing loss or damage to the fabric of your home, including to any permanent fixtures and fittings like kitchen units and bathroom sanitary wear. The amount of buildings insurance you require will be based on the estimated cost of rebuilding/reinstating your home.
Contents Insurance
Covers the cost of repairing or replacing your home contents including items like furniture, electrical appliances, carpets, curtains as well as your personal possessions.
The usual risks which are covered for a buildings and contents insurance policy would include fire, flood, escape of water, weather damage, subsidence and theft. The amount of contents insurance you will require is based on the cost of total replacement of your home contents and valuables.
Optional extra cover
Optional additional cover for items taken out of the home (mobile phones, laptops and jewellery for example) and sports equipment like bicycles, kayaks or surfboards is available. If you have items like this to protect, make sure that you understand any single item limits
You may also be able to add cover for accidental damage and other extras like temporary accommodation or home emergencies.