Home Insurance Guide
Understanding buildings and contents insurance.
7 min readLast reviewed
Buildings Insurance
Buildings insurance covers the structure of your home, including walls, roof, windows, and permanent fixtures. Your mortgage lender will require you to have this in place.
The policy should cover the rebuild cost of your home, not the market value.
Buildings insurance must be in place from exchange of contracts, not completion. Once you exchange, you are legally responsible for the property, so arrange it before that date.
Contents Insurance
Contents insurance covers your possessions inside the home. This includes furniture, electronics, clothing, and personal items.
Consider the total value of everything you own when choosing your coverage level.
💡 Tips
- •Make an inventory of valuable items with photos
- •Check if you need additional cover for high-value items
- •Review your policy annually to ensure it's still adequate