What Does Building and Contents Insurance Actually Cover?
Signing up for building and contents insurance is one thing—knowing what it covers is another. In the UK, policies can differ, so let’s break down the basics to help you choose wisely.
Building Insurance: The Structure
This covers your home’s physical shell—walls, roof, floors, and fixtures like built-in wardrobes. It kicks in for damage from fires, floods, storms, or vandalism. Some policies even include outbuildings like garages.
Contents Insurance: Your Stuff
Think furniture, gadgets, clothes, and jewelry. Contents insurance covers theft, fire, or water damage. Extras like “away from home” cover can protect items you take outside, like your phone.
What’s Not Covered?
Wear and tear, neglect, or intentional damage usually aren’t included. Check the fine print for exclusions like high-value items needing separate listing.
Final Thoughts
Understanding your coverage is key to avoiding surprises. Want to see what’s on offer? Visit Compare100.com to compare building and contents insurance from top UK providers now.
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