Buildings Insurance

This type of cover accounts for the physical structure of your home. Things such as the walls, roof and windows. It will also cover permanent fixtures and fittings. Things such as fitted kitchens, bathroom fittings etc. When taking out buildings insurance you will need to consider what the cost to rebuild your home would be. Include in this the cost of demolition - which may be needed in certain situations, clearing the site and architects' fees etc. This will be the amount of cover you will need.

Contents Insurance

Taking out contents insurance will cover items inside your home.This includes items such as furniture, clothing, stereo equipment and a limited amount of valuables. In certain circumstances insurers will apply limits for a single item of high value. Contents insurance will also cover you for theft of cash from your home up to a set limit. Other benefits of contents insurance include cover for replacement keys to your property if they are lost or stolen, cover for damage to locks and legal liability as occupier of the house.