What is Buildings and Contents Insurance - do I need both?

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Types of home insurance

Home insurance can be broken down into three components. Buildings insurance covers the main building and structure. Contents insurance covers the contents of your property. Some companies now offer extra cover, which will is explained in more detail below.

What is Building insurance?

This protects the actual building/structure; the exact level of cover will vary between insurance companies. Always check what level of cover you will be getting for your money. It always worthwhile shopping around, as there is always someone offering better cover for the same price. We recommend you get a minimum of five quotes. As mention earlier the basic idea of buildings insurance is to cover your home if damaged beyond repair or destroyed. Get a Quote

What is Contents cover?

This covers items that you own within the building/structure for example your home entertainment equipment, clothes, jewellery, carpets and furniture, the cover normally extends to any external parts of the property such as your shed, garage, conservatory or greenhouse. Different insurance companies offer varying levels of cover so always read the small print and always shop around to see who will give you best cover for the best price. If you do not understand the quotes, or any information you have been given then we recommend you contact an independent financial adviser. Get a Quote

Extra cover

Home Service gives you that extra peace of mind with 4 ways to protect your home. Whenever a plumbing, drainage, electrical wiring or gas central heating problem occurs, all you have to do is call their Emergency Hotline which is open 24 hours a day including Christmas and New Year.

Home Service will then swiftly deploy one of our qualified tradesmen to resolve the problem for you. As Home Service pay the tradesman direct all you have to do is sign to say you're happy with the work that have been done. 

Many householders assume their home insurance policy will cover them for these problems. This simply may not be case. Whilst they will cover damage they may not cover the cost of emergency repairs or finding a reliable tradesman. Also if your insurance company does cover you for this, you will probably have to pay the excess and you may well lose your no claims bonus.

Home Service currently supplies these products to 24 utility companies in the UK.

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