| Cover Type | What It Covers | What to Consider |
|---|---|---|
| Buildings Insurance | The structure of your home, including walls, roof, windows and fitted kitchens/bathrooms, against damage from events like fire, flood, storm or subsidence. | Usually required by mortgage lenders. Doesn't cover your belongings inside the property. |
| Contents Insurance | Your belongings inside the home, including furniture, electronics, clothing and personal items. Covered against theft, fire or accidental damage. | Buildings and contents cover can often be bought separately or combined. |
| Buildings & Contents Combined | Buildings and contents cover bundled into a single policy. | Often better value than buying each separately, and simplifies claims if both the property and belongings are affected by the same event. |