Home insurance generally includes two types of cover: buildings insurance, which protects the structure of your home (e.g., walls, roof, floors), and contents insurance, which covers your personal belongings inside the home, such as furniture, electronics, and clothing.

While not legally required, mortgage lenders usually insist on buildings insurance as a condition of the loan. Contents insurance is optional, but highly recommended to protect your personal possessions against risks like theft, fire, or water damage.

Buildings insurance covers the physical structure of your home, including fixtures like fitted kitchens and bathrooms. Contents insurance covers the items within your home that you would take with you if you moved, such as furniture, appliances, and personal belongings.

Yes, many insurers offer combined policies that cover both buildings and contents, often at a lower cost than buying separate policies. This can simplify your coverage and ensure that both your home and belongings are protected.

Accidental damage cover is usually an optional add-on. It provides protection for unexpected mishaps, such as spilling wine on the carpet or breaking a window. It’s worth considering if you want extra peace of mind.

Contents insurance typically covers valuables, but there may be limits on how much you can claim for individual items. If you own high-value items like jewellery or artwork, you may need to list them separately on your policy to ensure they are fully covered.