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What does Home Insurance Cover?: Home Insurance covers damage to or loss of the structure and permanent fittings in your house.
Why is Home Insurance so Important?: Your home is probably your single largest investment and your mortgage will be secured against it. If you’re uninsured and your home were to burn down, then not only have you lost your home and largest investment, but you’re still faced with paying back the mortgage in full.
What Information Will You Need to Provide: For Home Insurance you’ll need to enter details about:
When do you need your cover to be in place?: In most cases, you can be insured immediately online. If you don't want to be insured straight away, then that's no problem. You simply enter a future date you want the insurance to start.
How Do You calculate the value for your Contents Insurance?: Ideally you should compile a detailed and thorough inventory of all your contents. This enables you to work out how much to insure for and, if you have a claim, your claim will be settled so much quicker.

What Parts of my Property are Unlikely to be Covered by Home Insurance?

Home Insurance rarely covers swimming pools, plants, trees, paths, fences, gates and drives.

Home Insurance usually covers everything else that is permanently attached to your property. Belongings that are not permanently attached to your property should be insured under a Contents Insurance cover.

Please specifically check out what your proposed policy includes. Conditions and levels of cover do vary between insurance companies.

Frequently Asked Questions related to the above topic.
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