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Understanding Your Home Insurance: Buildings vs Contents

Home insurance splits into two distinct covers, and confusing them is the most common cause of under-insurance.

Buildings insurance covers the structure — walls, roof, fitted kitchens and bathrooms. Homeowners need it; tenants typically don't. Contents insurance covers what you'd take with you if you moved — furniture, electronics, clothing, appliances. Tenants need this; so do homeowners.

For both, the sum insured must reflect true replacement cost. Insure your contents for less than they're worth and 'averaging' can reduce every claim proportionally — even small ones.

Add all-risks cover for valuables carried outside the home, and WIBA cover for domestic workers, which is a legal requirement. We'll help you calculate accurate sums insured so a claim pays in full.