Insuring Your Home

Although there's a huge array of different types of insurance policies that between them offer a financial safety net to prevent you losing out on most of life's uncertainties, in practice, there are limits on how many insurance premiums individuals can afford. However, when it comes to an insurance priority list, household insurance should be near the top for most people.

Household insurance pays out only on items that are covered and only for certain perils - such as fire and theft. Don't imagine your policy is all-singing-and-dancing, and be aware of exclusions and limits on claims. Getting to know how policies work will improve your chances of buying the right one for you and of claiming successfully.

In this section, you'll find advice and guidance on household insurance, from the types of risk it covers, the amount of cover you'll need for both buildings and contents insurance, cover limits and, if you're unlucky enough to become a victim of fire or theft, how to make a successful claim.