Home insurance: introduction

Home insurance is a way of making sure that if something happens to your house or your possessions, like a fire or a flood or accident, you can get money to replace things.

You pay an insurance company a fixed amount each year. Then if something of yours is lost, damaged or stolen, they will pay to replace it.

This is called taking out an insurance policy.

For your home you need two different kinds of insurance: buildings insurance and contents insurance.

You can find out about them both in this section.