Home Insurance

There are two different types of home insurance, and the policy that you take out usually refers to whether you own the property or rent the property.

Buildings Insurance

Buildings insurance covers the structure of a property and usually any fixtures or fittings, like a any out-buildings, walls and fences.

This type of insurance covers the cost to repair or rebuild your home and the standard cover that you can expect is old for new, but this is all policy specific. You can also opt for a policy where you are covered against accidental damage. This type of policy is nessessary if you own the property and wish to cover yourself against any unforeseen accidents.

Contents Insurance

Contents insurance covers the contents of your home and equates to the total value of everything in your home if you were able to box it all up.

The minimum amount that you can insure your contents for is 20,000 although the average value of the contents of a home is likely to be around the 45-50,000 figure. This type of cover is imperative if you are renting or are a home owner.

• Life Cover
• Critical Illness Cover
• Mortgage Protection Cover
• Accident, Sickness & Employment Cover
• Home Insurance