Home Contents Insurance

So, what do you get for your hard earned cash? Hopefully, just piece of mind, and it is money down the drain. Most people aren’t sure what is covered by home buildings insurance and what is covered by home contents insurance. Here is a summary but remember, it varies with different insurers and it is wise to check with the insurer or better still use a broker who knows what he is talking about.

Home buildings insurance covers the main structure of your home, the garage, and outbuildings, (although sometimes only if they are listed in the deeds), for the cost of rebuilding. Usually so is everything else; walls, paths, drives, patios, terraces, fences, hedges, and gates – even tennis courts, swimming pools and ornamental ponds, but watch out for exclusions as they can be difficult to spot in the small print. Many people now have solar panels and wind turbines, they’re usually covered too, as are your fixtures and fittings. Inside the house a good rule of thumb is: If you turn the house upside down and it stays put, it’s covered under the home buildings insurance.