Someone's home is where they go to rest and where they go to escape and relax after a hard day's work. It is also typically their most valuable asset and often something they work hard to maintain. Therefore a good insurance policy which protects both the building and the contents is seen as vital by many, otherwise in theory a person can lose everything they owned thanks to a fire or serious break-in. House insurance comes in many forms but most policies have similar elements and optional extras can also help somebody to avoid some of the more unusual or difficult situations.
home insurance and contents insurance are two different forms of cover which make up the house insurance market. The main difference is that buildings insurance covers the actual structure and contents cover is for what's actually in the home, normally meaning someone's personal belongings. Not everyone will need both types and someone who rents out a home as a landlord will only normally need buildings insurance unless they have contents such as furniture in it, and people renting a property will not normally need buildings insurance. Someone who lives in a home and owns it will typically need both types.
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