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What is home insurance?

Find out how home insurance works, what it covers and how to make sure you get the right level of protection. 

In this article
What is home insurance? What are the different types of home insurance? Golden rules for buying home insurance

What is home insurance?

Home insurance is a type of insurance product that protects your property and your belongings.

There are three main types of home insurance: buildings insurance, contents insurance and combined buildings and contents insurance.

Our home insurance reviews show how we rate the standard contents insurance and buildings insurance, policies of 31 providers, and how the providers were rated by their customers.

Members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a two month trial for Which? Money for just £1 to access this review, along with thousands of others, and enjoy the benefits of a Which? membership

What are the different types of home insurance?

Buildings insurance covers the cost of repairing damage to the structure of your property.

This includes the walls, windows and roof as well as permanent fixtures and fittings such as baths, toilets and fitted kitchens.

As a general rule, buildings insurance covers the cost of rebuilding your house from the ground up.

Contents insurance on the other hand, covers the cost of replacing your belongings in your home if they are damaged, destroyed or stolen.

Generally, your ‘contents’ are defined as the items that you would take with if you moved home.

Golden rules for buying home insurance

Here are three golden rules for making sure you get the right home insurance policy:

1. Shop around

Shopping around will increase your chances of finding a competitive deal for your contents insurance.

2.Get the right level of cover

Be as accurate as possible when valuing your contents. You don’t want to under or over insure your belongings.

3. Read the terms of your policy - carefully

Once you’ve found a policy, read the terms and conditions carefully. You don’t want to get caught out if you ever have to make a claim.