Buildings Insurance covers the cost of repairing or rebuilding the structure of your home if it’s damaged by an event such as a fire, flood or storm. If you’re a homeowner with a mortgage, your lender will usually insist that you have adequate buildings cover for the term of your mortgage.
There is no place like home and your home is more than just a house. Contents insurance covers your possessions in the event of theft, loss or damage, including natural disasters, fires or flooding. It’s separate to home insurance, which covers the building you live in, including fixtures and fittings.
Landlord insurance provides cover for your property – both the building itself and any furnishings you’ve provided.
It can also protect your rental income and cover your liabilities if your tenants are injured on your property and you are deemed to be at fault.