Home and Contents Insurance

Choosing home insurance

Your home is more than bricks and mortar. Suitable buildings and contents insurance can provide peace of mind if your property or possessions are damaged, destroyed or stolen.

Buildings sum insured

The cover should reflect the full cost of rebuilding the property, which is not the same as its market value and can change after alterations or extensions.

Alternative accommodation

Check whether the policy would provide somewhere to stay if an insured event, such as a fire or flood, made the property uninhabitable.

Contents and accidental damage

Consider the total replacement value of possessions throughout the home. Standard policies cover defined events, but accidental damage may require additional cover.

Cover away from home

Valuable personal possessions taken outside the property may need separate cover under the contents policy.

Price and quality

The cheapest policy may not provide the right level of cover and could include higher excesses or restrictive limits. Review the features, exclusions and quality of cover as well as the premium.