Buildings insurance covers the physical structure of your home, including walls, roof, floors, windows, and any permanent fixtures like kitchens and bathrooms. Contents insurance, on the other hand, protects your personal belongings inside the home, such as furniture, electronics, clothing, and valuables. Both types of cover can be taken separately or combined into one policy for convenience.

It depends on whether you own or rent your home. If you're a homeowner, you’ll typically need buildings insurance to protect the structure of your property. Contents insurance is important to protect your personal belongings. If you’re renting, contents insurance is essential, while buildings insurance is usually the responsibility of your landlord.

For buildings insurance, you need enough cover to rebuild your home in the event of complete loss, which may differ from its market value. For contents insurance, the coverage should reflect the total value of your belongings. A detailed inventory of your possessions can help you estimate this. We can assist you in calculating the right level of cover based on your property and personal items.

Most buildings insurance policies cover damage caused by natural disasters, such as storms, floods, and earthquakes. However, some policies may have exclusions or limits for certain events. It’s important to review the terms of your policy and ensure you’re covered for specific risks. We can guide you through the details of your coverage to ensure you’re fully protected.