Home Insurance – Contents & Buildings
What is Home Insurance?
Home or House insurance is a way of protecting your home from many elements and damages that may be caused to it for a number of reasons. With house insurance you can protect the structure of the house and also the contents of it, this can be in the form of personal possessions that may get damaged or lost. This type of insurance is one of the most important types to have.
Property Protection Insurance
This type of protection typically covers the house, housing fixtures, plumbing, heating, air conditioning systems, electrical and any other buildings connected to the house such as garages, conservatories and sheds. There is also an option to cover all your personal assets that are located in the home but are limited on some occasions depending on the value of the items to be covered especially if they need replacing.
Liability Protection Insurance
Personal liability is an option that protects you and your family from any lawsuits that may come about due to injury that has been caused accidentally. It also provides a policy called medical expenses which covers any accidents that may arise to an individual who is injured on your property. However this option doesn’t cover you or any of your family.
Home insurance help
Contents insurance will provide you with full protection on your personal possessions and covers the loss and damage caused by elements such as theft, fire, floods, smoke damage, pipe bursts, accidental damage and subsidence. Contents insurance can also be linked in with building insurance which gives you cover on any damage to the home itself. The areas covered by building insurance are subsidence, burst pipes, falling trees and aerials, damaged or broken boilers and collision damage.