What does home insurance cover?

Home insurance protects you from things like fire damage to your home, or theft of your belongings. It'll pay out to replace your property or repair your house if something unforeseen happens.

Home insurance comes in two parts, buildings insurance and contents insurance, which can be bought individually or together as a single policy.

If it’s something you’d take with you if you moved to a new house, it’s classed as contents. If it would stay behind, it’s probably buildings.