Setting aside money for emergencies is no match for a conventional home insurance policy, one expert has claimed.
According to Graeme Trudgill, technical and corporate affairs executive at the British Insurance Brokers' Association, while having savings can help with small things home insurance is vital to protect against larger losses.
He said: "What you have to bear in mind is that household policies also include liability cover - personal liability for the owner-occupier, for example.
"If you are sued ... then that's the sort of thing that normally would get picked up under your household policy."
Because of the large amount of money needed to cover such an eventuality, people should make sure that they take out a home insurance policy, he added.
Recently, a study by financial website fool.co.uk found that one in four people try to self-insure if they can.
It also found that 60 per cent of people dislike insurance, but think it is a price worth paying.




