What Is Home Insurance?

For most, their home and everything contained within it is their most valuable asset. Home insurance can go some way to protecting the value of your home. While home insurance won’t cover you against general wear and tear, it will cover you should an incident outside of your control occur. If your property is damaged by a flood, fire, storm or as a result of burglary, you can make a claim through your policy.

Home insurance is essentially an umbrella term that encompasses both contents and buildings insurance and is exclusively for residential property.

Buildings insurance

This covers structural components of your property, including fixtures and fittings. From your pipes, drains and toilet to your fixed kitchen units, garage and shed, there are a surprising number of components that are included in buildings insurance. It’s a good idea to get a full list of what’s covered and query anything that you’re not sure about.

Contents insurance

Contents on the other hand covers all your personal items. From furniture, gadgets and kitchenware to antiques and jewellery, covering the contents of your home can give you peace of mind should the worst happen.

So, where does home insurance fit in?

Home insurance is a term that’s often used to refer to both buildings and contents insurance collectively. You can have one without the other, and you can have separate policies for each. However, sometimes it can make sense to join buildings and contents insurance together into a complete home insurance policy.

Speak to a home insurance broker today

Contact Agentis today to arrange your free initial consultation. We’ll discuss your options and help you secure the best home insurance policy for your property. We’re invested in protecting the value of your home and its contents.