Home Insurance UK: Buildings and Contents
Home insurance is not one universal product. The appropriate cover depends on whether you own, rent, occupy or let the property and on the policy wording.
Buildings and contents
Buildings generally relates to the structure and fixtures; contents generally relates to belongings. Definitions, limits and exclusions vary. Flats, leasehold arrangements and landlord responsibilities can need special attention.
Common checks
Check rebuild value rather than market value where relevant, single-item limits, accidental damage, escape-of-water terms, valuables, unoccupied periods and excesses.
Claims preparation
Keep an inventory and evidence of ownership where practical. Report incidents promptly and follow the insurer’s claims instructions.
Questions to ask before arranging cover
What should I check before buying cover?
Read the policy wording and schedule, check exclusions, limits, excesses and the claims process, and ask the insurer or broker about anything unclear.
Does this page provide a quote?
No. This is general information, not a quote, recommendation or a statement that a particular policy is suitable.