Home Insurance Quote

Nowadays it’s very easy to obtain a home insurance quote, in fact we are bombarded with offers for the very same; but just what is home insurance exactly and what does it cover?

Home insurance is an all encompassing word for a policy or group of policies that will insure your property, and also the contents of your property from unexpected perils. What your home insurance quote covers can vary and therefore it’s important to be aware of what you are being quoted for.

Your home insurance quote is split up into two parts:

Buildings insurance: This covers the actual structure of the building you own, along with any permanent fixtures, and what is meant by permanent fixtures is anything that cannot reasonably be detached and taken with you should you decide to move home, such as sinks or wallpaper for example.

Contents insurance: A contents policy will include the items in your home that are detached, and could be taken with you when moving; including furniture, furnishings, electrical equipment, clothing, frozen food and drinks.

Your home insurance quote can also encompass items in your garden, within the boundaries of your property, and you will also be offered the option to add in extras such as accidental damage; protecting you should you accidentally damage something yourself.