| Our homes are easily the most precious and | | | | This covers all the items of your house that is |
| valuable commodities in our lives, but astonishingly | | | | not considered to be a permanent fixture, for |
| a quarter of UK households have no house | | | | example electronic goods, clothing, furniture, |
| insurance. With the potential threat of burglary, | | | | appliances etc. Most home contents insurance |
| fire or natural disasters, those without cover are | | | | policies will even go as far as insuring the contents |
| risking serious financial loss. | | | | of your fridge freezer! |
| Buildings Insurance | | | | Home content insurance may also cover items |
| Your insurance policy should cover the funds | | | | that can be removed from your home, such as |
| needed to completely rebuild your home. This is | | | | bicycles or prams. However, it's wise to check |
| to cover you in the event of your house being | | | | your policy carefully and to never assume that |
| totally destroyed or damaged to such a degree | | | | certain items will be covered. |
| that a complete rebuild is required. | | | | An increasing amount of insurers cover garden |
| Your home insurance policy should also cover you | | | | plants, so it's just a matter of treating your |
| against damage caused by natural events, such | | | | garden as an extra room in the house; just total |
| as:o Subsidenceo Flood and storm damageo Burst | | | | up the value of plants and they will be covered |
| pipeso Vandalismo Fire, smoke and explosion | | | | under your policy. |
| damage | | | | For cheap home insurance it's advisable to shop |
| Building insurance also covers permanent fixtures | | | | around. There is a wide choice of price |
| and fittings such as baths, toilets, interior | | | | comparison sites available online to help you get a |
| decorations, fitted kitchens etc. | | | | good deal. |
| Contents Insurance | | | | |