DIY Supermarket

Home insurance is a key product for responsible homeowners, and can offer peace of mind for every eventuality; burglaries, fire damage and accidental damage are all covered by a comprehensive home insurance policy.  Buildings insurance with accidental cover will mainly protect the structure of the home, but this is supplemented by a contents insurance policy that provides cover for all non-permanent structures within the home.

Home insurance (or buildings insurance) by contrast, includes cover for what is termed permanent fixtures.  This includes furniture and fittings such as kitchen surfaces, sinks, baths, basins, taps and basins.  Policies will invariably make reference to limitations, or exclusions for items which are not covered by the insurance and these can include drives, pathways, outbuildings and even pools.

Contents cover is used for non-permanent structures, as described above.  The non-exhaustive list for this would include replacement locks if consumers have lost their keys or they’ve been stolen.  Many policies provide ‘new for old’ cover, meaning that if old possessions are broken or stolen; the policy will cover the replacement of these items with the market value of new ones.  A contents policy may also cover specific valuable items, as well as accidental damage to a wide range of possessions.