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If you own your home and have a mortgage, you’re responsible for both buildings and contents insurance. It’s worth having both on your policy so you’re covered for all eventualities.
However, if you rent your property you will only require contents insurance. Your landlord will be responsible for your buildings insurance. You can purchase buildings insurance or contents insurance. They can both be bought separately or together.
This will help cover the cost of repairing or rebuilding the structure of your home if it’s damaged by an event that you’re insured for (e.g. fire, flood, storm etc.). It can also help with outside structures that are connected your home, such as garages and fences.
Contents insurance will help cover the costs of replacing your possessions in your home if they’re stolen, destroyed or damaged. It can be bought as a single policy. However, it is usually combined with buildings insurance unless you’re renting a property. If you are renting, your landlord will take responsibility for purchasing your buildings insurance.
This is a combination of Buildings and Contents insurance, and unsurprisingly the most popular policy to purchase. A combined policy will help cover you financially in the event that your home or belongings are damaged or destroyed. Your insurer will pay to replace your belongings and repair your home.
We understand that taking out home insurance can seem quite daunting. That’s why we’ve put together a collection of FAQs to answer any questions that you may have.