HOME & BELONGINGS

Home insurance. Explained.

Understand buildings, belongings and the gaps between an insured event and everyday maintenance.

Start with what you need covered.

Buildings cover concerns the structure and permanent fittings; contents cover concerns your belongings. A homeowner may need to consider both, while a tenant’s starting point is often their own possessions. Check existing arrangements and lease responsibilities before paying for cover that duplicates a policy already in place.

Compare the key questions ↗Read the buying guide ↗

UNDERSTAND THE OPTIONS

Different arrangements. Different details.

Buildings

The structure and specified permanent fittings, subject to insured events and limits.

Belongings within the policy definition, with limits for valuable or individual items.

Combined cover

Buildings and contents on one policy; the sections still have different terms.

BEFORE YOU CHOOSE

Four conversations worth having.

Rebuild and contents values

Have rebuilding costs and replacement belongings been assessed separately?

Water and weather

What excesses and exclusions apply to escape of water, flooding and subsidence?

Away from home

Are valuables, bicycles and other possessions covered when taken outside?

Occupation and changes

What must I report about long absences, renovations, tenants or working from home?

Compare an actual offer

These are research prompts, not a quote or a recommendation. Ask an insurer or authorised broker to explain the accepted policy, its exclusions and your own circumstances. Product features vary.

Sources & further reading

Checked 26 September 2026. Policy terms and source ratings can change.

See how cover connects.

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