What does the home insurance cowl? Completely different covers defined – Superb Residence

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  • It sounds simple enough, but when it comes to home insurance, the specifics of home insurance are often confusing. Basically, household insurance is divided into two main categories – building insurance and household insurance. Both are insurance for the home and it can be easy to confuse the two when referring to both as "household insurance".

    In fact, however, the two are very different, as our experts explain. We clarify the difference between the two types of home insurance that every household needs.

    What does the home insurance cover?

    Photo credit: Future PLC

    "Home insurance is divided into two main categories – home insurance and home insurance," explains Sarah Applegate, data lead at Aviva General Insurance. While both cover houses, don't confuse the two as they both do very different things. ‘Building insurance is different from home insurance, ”explains Sarah. “Buildings insurance covers the elements that make up the main structure of the home. Home insurance is designed to cover the possessions in your home. This includes things like furniture and furnishings, clothing, televisions and technical devices. "

    Ask yourself, “Do I have to? Do you need home insurance for my property or just my belongings? ”If you do not own the property, you most likely don't need home insurance – home insurance should be sufficient.

    "Most home insurance policies work in a similar way with each provider and cover broadly the same items," advises Sarah. "But policies vary from one insurance provider to another, so it's always best to read the fine print and know what to look out for."

    “It is always worth checking with your provider. If you have any questions or concerns, it is always a good idea to review the terms of your policy or speak to your insurer. "

    Does the home insurance cover water leaks?

    "Both household contents insurance – building and household effects – usually cover the damage caused by water ingress," explains Sarah. "Aviva claims data show that 'water leakage' is one of the most common causes of damage for home insurance customers."

    “Home insurance covers the damage caused by a water leak and often pays reasonable costs to remove all of the parts of the internal structure of the house that are necessary to locate the source of the leak. So if a plumber has to cut through a ceiling or remove tiles to get to a leaky pipe, this is often covered. ”The insurer can also cover the costs of“ repairing ”the leak after the leak has been repaired. As always, it is worth taking a look at the fine print.

    Shower over bath with monochrome tiled wall

    Photo credit: Future PLC / Joanna Henderson

    Does the household insurance take over the sanitary installation?

    Water leaks and plumbing emergencies are not the same thing. Sarah explains, “Home insurance usually covers damage caused by water leaks. This could be water from a burst pipe, but it doesn't necessarily cover waterfalls or boiler failures as standard. "

    “Standard household insurance differs from“ household emergency insurance ”. This would provide protection in the event of a plumbing emergency, such as a clogged drain or toilet. As part of this additional package for domestic emergencies, boilers are sometimes also covered. Some insurers offer emergency home protection as an optional addition to their household or household contents insurance – or as a stand-alone product. "

    Does the home contents insurance cover water damage caused by rain?

    "Household insurance can cover water damage caused by rain, but it depends on how the rainwater got into the property," warns Ryan Fulthorpe, an expert in household insurance at gocompare.com *. "If rainwater can damage the property due to poor care and maintenance of the property, the insurers can classify this as wear and tear and not cover this incident."

    "However, if the rainwater got in from a storm with wind-removing roof tiles and the property is left unprotected, this could be an incident covered by your policy."

    Is there a household contents insurance that covers everything?

    “Home insurance providers have a number of product offerings,” explains Ryan. “The best way to make sure you are getting the coverage you need is to use a price comparison website like GoCompare. In this way you can compare insurance offers in order to select the right insurance cover for the respective situation. "

    Does the home insurance cover poor workmanship?

    "Damage caused by poor build quality, maintenance, repair or renovation is unlikely to be covered by your home and home insurance," says Ryan. "However, the contractors should have liability insurance to cover anything that goes wrong."

    "If it is a do-it-yourself damage, accident insurance can cover the incident, but check with the insurer."

    Does the home contents insurance cover garden walls?

    Country house garden with brick wall and view of the church

    Photo credit: Future PLC / Polly Eltes

    “If the garden is within the limits of your home insurance, it will usually cover the structures in it, including the garden walls,” explains Ryan. "Consumers can review their policy documentation to understand possible exclusions or speak to insurers directly."

    As with all things home and insurance, get all in writing for clarity. Should claims arise in the future – you are covered.

    * Ideal Home and Go Compare are part of Future plc.

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