Home insurance can mean building insurance, contents insurance or both. Building insurance is often taken out with a mortgage to cover the cost of rebuilding your home should the worst happen. It generally covers you for damage to your home caused by fire, bad weather, natural disasters, damage caused by burglary or attempted burglary, man-made disasters like riots, explosions, vandalism. Coverage will differ between home insurers so it is important to check your policy documents.
Contents insurance usually covers all the contents in your home against theft or attempted theft, fire, water damage, storms or floods, smoke, lightning and malicious damage. Contents refers to all the things in your home that if you were to move, you’d take with you, including furniture, electrical equipment, clothes and bikes etc, everything that isn’t a permanent and fixed fitting.
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