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What does home insurance cover?

What does home insurance cover?Home insurance is an essential part of owning a home; however, just having a policy isn’t sufficient. It’s important to ensure that your home insurance policy provides adequate cover that is tailored to your specific needs.

There are many factors that could contribute to inadequate home insurance cover. Always provide sufficient and up to date information to your insurer to ensure that you have sufficient coverage. Failing to provide correct and honest information is classified as insurance fraud, and could result in a claim being refused and your policy terminated.

Keeping your insurer updated on material changes as they arise will ensure that you’re adequately covered and could even reduce your premiums. Installing an alarm system in your home, for example, improves your home’s safety rating and could result in a decreased home insurance premium.

By ensuring proper security measures are taken in your home, as outlined by your insurer, you could also qualify for lower premiums. This may leave you with additional funds that can be used to purchase more comprehensive cover for added peace of mind. Indicating these measures on your policy and ultimately being honest will also help speed up your claims process.

One of the most common causes of home contents insurance claims is theft. According to, a UK home is burgled every 37 seconds. In the event that your home is burgled, adequate cover can help alleviate the cost of replacing stolen items. Cover for theft and damage resulting from vandalism is vital, particularly should your home be unoccupied for an extended period of time. Also ensure that adequate security measures are in place.

Water damage and flooding are also large contributors to contents and buildings insurance claims. Flooding is often unpredictable, and can cause thousands of pounds worth of damage to the interior of a home. In the event of flood damage, you and your family may also need alternate accommodation until such time that your home is again inhabitable. It is important that your home insurance policy provides cover for this to avoid accommodation costs after a flood.

Fires can destroy homes quickly, and not being covered for fire damage can add to the emotional stress a fire disaster will inevitably cause.

Being insured against these events is particularly important if you lease out property or have a vacant home. It is your responsibility, as a landlord, to ensure that your tenants will have access to alternative accommodation in the event of flood or fire damage to your property.

Buying a property is one of the biggest investments you are likely to make in your lifetime. Choosing a home insurance policy that matches your unique needs is therefore crucial to ensure that your investment is sufficiently insured.

Opting for a home insurance policy that matches your requirements will give you peace of mind and ensure that you’re not paying for unnecessary benefits. Your Insurance understands that all homes are different. We therefore offer specialised home insurance that can to tailored suit your needs and budget.

Protect your home and its contents against the unexpected; get an online buildings insurance and contents insurance quote today.