An insurance policy that protects against loss or damage to the property caused by fire, some natural causes and acts of vandalism..
There are two basic types of Household Insurance; Contents Insurance and Building Insurance... Contents and Buildings Policies can be bought separately or together in one package.
Contents Insurance covers the contents of a home such as furniture, carpets, clothes, television, refrigerators, jewellery and so on. In other words, what you would take with you if you moved.
Buildings Insurance protects against damage to the actual structure of the home and to its fixtures and fittings together with garages and outbuildings. There is limited cover for boundary walls, gates, paths, drives and swimming pools. In general, anything that would be left behind if the occupier moved is included in Buildings Insurance. If you're renting, Buildings Insurance is paid by the landlord, not you.
Scope of Cover
Damage caused by fire, explosion, lightning, earthquake, the impact of aircraft, vehicles or animals
• Theft or attempted theft, the breakage of aerials,
• Oil leaking from a central heating system.
• Damage caused by riot and malicious persons,
• Storm, flood, the escape of water from tanks or pipes, subsidence, landslip or heave, and falling trees.