Home contents insurance or house insurance is usually made up of two seperate entities. Home contents insurance, the insurance we take out against the contents of our home, and buildings insurance, the insurance we take out to cover damage to the "bricks and mortar" or in extreme cases the rebuild cost of our dwelling due to events such as subsidence.
Sometimes both of these home insurance policies are combined to form home building and contents insurance. Many mortgage providers insist we have a policy that covers the "rebuild" cost.
Whilst home contents insurance and buildings insurance makes up the majority of the house insurance market, there are many other variations that cover the remainder of the market.
Holiday home insurance provides cover for second homes or holiday homes and buy to let home insurance covers properties that are let out to tenants. Overseas home insurance should cover holiday homes outside the UK.
Mobile home insurance covers static caravans and other mobile homes. You should also be able to take out insurance for your motor home.
Flat share home contents insurance aims to insure home contents when the property is occupied on a shared rental basis.
Small business home insurance covers people who run a small business from their home, or spend a significant amount of time working from home.
Finally, an extension to standard home contents insurance is home appliance insurance which covers specific home appliances.
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