In the UK, home insurance typically offers two main types of coverage: buildings insurance and contents insurance. You can choose to insure either, both, or a combined policy for both. Buildings insurance covers the physical structure of your home and any permanent fixtures, while contents insurance covers your personal belongings inside the home.
This policy covers the cost of repairing or rebuilding your home if it’s damaged by events like fire, storm, flood, or subsidence. It also typically covers permanent fixtures and fittings like fitted kitchens and bathrooms.
This policy covers the replacement or repair of your personal belongings if they’re damaged, destroyed, or stolen.
Many insurers offer a combined buildings and contents policy, which provides comprehensive coverage for both your home and your possessions.
Home Insurance Saving Figure You could save up to £209* *51% of consumers could save £209.33 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from December 2024. savings you could achieve are dependent on your individual circumstances.
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