How Much Home Insurance Do You Need?

The right level of home cover depends on the property, its rebuilding requirements and the value and nature of your possessions.

Overview

Buildings insurance concerns the structure, while contents insurance concerns belongings. The limits and definitions in the policy are essential.

What should you check?

• Read the policy definitions, limits and exclusions.
• Check the excess and any waiting or notification requirements.
• Understand what evidence may be required for a claim.
• Compare equivalent levels of cover rather than comparing price alone.

Why policy wording matters

Insurance is a contract and the precise terms determine when a claim can be accepted. Marketing summaries can be useful for orientation, but the policy documents should be treated as the authoritative source for the coverage you are considering.

Common questions