| Home Insurance Type | What It Covers | Best For |
|---|---|---|
| Buildings Insurance | Structure of the home: walls, roof, floors, windows, fixed installations | Homeowners |
| Contents Insurance | Personal belongings such as furniture, electronics, clothing, and valuables | Homeowners & Renters |
| Buildings & Contents Insurance | Combined coverage for both the property and items inside | Most homeowners |
| Landlord Insurance | Property protection, liability, and loss of rental income | Property owners renting out homes |
| Renters (Tenants) Insurance | Personal belongings and personal liability (not the building) | Tenants |
| Home Liability Insurance | Injuries or property damage caused to others on your property | Homeowners & Renters |
| High-Value Home Insurance | Luxury homes and high-value items like jewelry or art | Owners of premium properties |
| Holiday / Second Home Insurance | Vacation or seasonal homes, including vacancy risks | Second-home owners |
Home insurance typically covers damage to your property caused by events such as fire, storms, theft, vandalism, and certain natural disasters. Depending on the policy, it may also include protection for personal belongings and liability coverage.
Buildings insurance covers the structure of your home, while contents insurance protects personal belongings inside it, such as furniture, electronics, and clothing. Many homeowners choose a combined policy for full protection.
Coverage depends on the policy and location. Events like storms and fire are commonly included, while floods or earthquakes may require additional coverage or separate policies.