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Your home is your most valuable asset, so it is very important that you make sure that it is insured properly against potential risks like a theft, fire, flood, subsidence. 

There are two main types of home insurance on offer and they can be bought individually or as a pair. Most UK insurers offer discounts if you buy both at the same time. Taking out both buildings insurance and home contents insurance cover from the same insurer online will often save you even more money.

Home Buildings Insurance 

This type of insurance insures the fabric of your home which is know as the bricks and mortar of your home and includes any permanent fixtures such as your fitted kitchen and bathrooms. Having acceptable home insurance cover is usually a condition on your mortgage, but be aware that there is no reason why you have to take out this cover from your mortgage lender and they are rarely competitive in this market. 

Beware - You must always ensure that you have the right level of buildings insurance cover. The amount required is the full cost of rebuilding your home and NOT the value of your home!

Home Contents Insurance

A Home contents insurance policy protects your personal possessions and the cover goes onto include the cost of replacing items such as furniture, carpets and electrical equipment. Beware - DO NOT underestimate the value of your possessions - The value of your personal possessions can soon be far more than you realised, so if you buy something of significant value, consider the impact that it may have on your contents insurance policy and if needs be, contact your insurer and increase the sum assured on your policy to cover the additional item/s. You may even need to consider listing the item individually and take out separate cover for the more valuable items that you own (Electrical goods, antiques or jewellery).

Market research has shown that many home owners are under insured and 1 in 6 homeowners has no buildings insurance and 1 in 4 has no insurance for their home contents.

Don't consider home buildings insurance and home contents insurance as a luxury, it is a must have, think how you would feel if you didn't have cover and you lost everything.....