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Contents and buildings insurance and Home insurance .

Home insurance, also homeowners insurance , is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home.



Insurance can cover some or all of the following items:
1. The insured house
2. Items away from the house
3. Third parties and persons sustaining injuries in the house
Different policies specify the circumstances under which each item is covered. For example, a house can be insured against burgalry ,theft, fire damage, or accident damage independently.
House or home insurance is not a legal requirement in the UK, but most mortgage companies insist on a minimum level of cover whilst your mortgage is with them.
A home insurance policy may have standard basic cover, insurance for items away fromt he house,Fully comprehensive and accidental damage insurance or new for old insurance

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