There are two basic types of home insurance available in the UK and most people will require cover from both. These two types are referred to as contents and buildings insurance and each type of insurance provides cover for different aspects of household insurance UK.

Contents insurance UK will cover all entities inside your house aside from the physical structure of the building. Electrical goods, furnishings, fixtures and even the contents of your freezer, can all be covered by contents insurance. Every home contents insurance policy varies but most policies will cover you for a range of situations including accidental damage, theft, explosion, subsidence and other natural disasters. Check your contents policy for details of what exactly you are covered for. Some companies will allow you take out an extended form of contents insurance that can protect you against legal liability, cover tenants, or pay for substitute accommodation if you can no longer stay in your house.

Buildings insurance UK, fittingly, will cover the external structure of your home as well as any permanent fixtures you might have such as baths, sinks and doors. In addition to this, outhouses, garages and sheds can also be covered by buildings insurance. When you take out a buildings cover policy you will need to check with the insurance company exactly what is covered in your policy; be sure to clear up any cloudy areas such as boundary fences and walls. Buildings insurance UK can protect you from a number of areas including accidental damage, natural disaster, malevolent damage and subsidence. Most insurance companies will also allow you to take out extended cover which can protected you for glass, liability, pipes, cables and alternative accommodation.

In addition to these basic types of insurance there are also certain specialist policies that you can procure- if you need such a policy then it is even more important to speak to your insurance company to discuss your individual requirements. Those who work from home will need to procure business use insurance which will cover their business equipment in addition to their regular home contents. Scholars, living away from home, will require a specialised student insurance to cover their possessions whilst away. Student housing is often targeted by criminals so it is extremely important for students to get cover.