What does household insurance do?
There are two types of household insurance policies. Buildings insurance protects you against damage to the structure of your home together with its fixtures and fittings and home contents insurance protects you against damage or loss of the possessions that you would normally take with you if you moved. Both policies cover you against a stated list of perils for example; fire, subsidence, theft, flood and storm, as well as providing important cover for your legal liabilities as a homeowner and occupier.
