When you buy home insurance, online or direct, you're looking for the cover you need at the lowest possible price. You will be able to get a quote from many insurance companies within minutes, saving both time and hassle using the online comparison.
The type of home insurance cover you need will depend on your living arrangements. If you own the home you live in, you will likely require both home contents insurance and buildings insurance. Though contents insurance is largely optional, most mortgage providers will request you take out buildings insurance as part of your mortgage conditions as this is covers the structure of your property.
A buildings insurance policy will cover your walls, ceiling, doors and even your roof. It also protects fitted fixtures such as kitchens and bathroom. The types of risk you are covered against will depend your level of insurance. A typical policy would include cover against fire, storm damage, falling trees, lightning, earthquakes, vandalism and one thing now particularly vital in Britain: burst or frozen pipe cover.
Home contents insurance protects the possessions stored within your home that are not a fixed part of it. This usually includes items such as electronic goods, furniture, appliances and clothing. It is always worth remembering that you are not obliged to take out your home buildings insurance with your home contents insurance provider, though you may receive a discount if you choose to do so.
If you rent rather than own your home, you should only require contents insurance that will protect your personal possessions. Should you live in a house share, you may find you are required to have a lock on the door of your room as part of the terms and conditions of your insurance. Conversely, if you are a home owner who has a lodger, you are obligated to inform your insurer.
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