There are three distinct types of home insurance:

Buildings insurance

This will cover the structure of a property (such as the roof, walls and windows) as well as fixtures and fittings (such as kitchens, baths and toilets). Garages, garden sheds and other ‘outbuildings’ can also be included, although general ‘wear and tear’ damage is excluded from all covered items, especially when relating to a lack of proper home maintenance.

Contents insurance

This will cover the structure of a property (such as the roof, walls and windows) as well as fixtures and fittings (such as kitchens, baths and toilets). Garages, garden sheds and other ‘outbuildings’ can also be included, although general ‘wear and tear’ damage is excluded from all covered items, especially when relating to a lack of proper home maintenance.

Combined insurance

As the name implies, this will cover both structural and contents claims.

Home insurance policies will also cover claims against theft, fire, flood, storm damage and subsidence. However, extra cover on structural damage or personal items will usually incur an additional premium (depending on the type of policy you buy). For example, full cover for accidental damage is charged depending on the value of the policy items. Furthermore, most insurers will restrict their cover, or refuse to pay out on properties which are left empty for 30 or more consecutive days, as this increases the chances of theft or damage.

Home Emergency Cover will insure against a loss of vital services, such as plumbing, heating or electrics, while Legal Cover will help to pay for any expenses involved in claiming on uninsured losses. They are sometimes covered under a policy; sometimes not, so always check. Losses relating to businesses run from home, sublet housing or a clear disregard for security precautions are usually excluded from home insurance pay-outs.