Home Insurance Types

Buildings insurance, for everything structural, and contents insurance, for everything in the home are the two main types of home insurance. There are variations on that theme such as joint policies that cover both types in one but they generally won't be quite as flexible and offer as much range of cover as the separate policies.

When choosing home insurance the main feature to consider is the level of cover, that means exactly how much the policy pays out if required. In a bid to lower their premiums some customers are tempted to underestimate values and therefore underinsure and that can be a false economy.

Within the two types of insurance there will be many factors that have an impact on the premium such as location of the property and security measures that have been taken to protect the property.

If you have a mortgage for the property you will be required by the mortgage company to have adequate buildings insurance to cover a complete rebuild. There is no mortgage requirement for you to have contents insurance as your possessions have no bearing on the value of the house.

Product Offers
Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.

Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.