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WHO NEEDS HOME INSURANCE?

• Home or house insurance covers your property and possessions from damage or loss from things like fires, flooding, storms, and theft.
• Legally, you don't need it, but it’s a good idea to have some protection in place. If you need to claim, it might cover the costs of any repairs.
• There’s two types of home cover: buildings and contents.
• You can get them separately or as combined home insurance. Whichever works for you.
• The policy which works for you will depend on if you own, rent, or are a landlord for the property you’re insuring.

Who Needs Home Insurance?
Homeowners	Owning your own property means you’re responsible for everything. Plus, if you have a mortgage, it might be a condition that you have at least buildings insurance.
Renters	Most renters only need contents insurance as building cover is the landlord's responsibility. You might also want your own policy if you share your home with other tenants.
Landlords	Landlords are responsible for providing happy homes to their tenants. To cover your properties, you might need specialist landlord cover instead of standard home insurance.
Short-term Lettings	If you let your property on a short-term basis, either privately or through platforms like Airbnb, the cover you need is different from standard home insurance.
Students	Students living away from home might want contents cover for any expensive kit they own. Check whether your belongings are covered by your parents’ home insurance first.
Holiday Homeowners	You can’t cover a second home with standard home insurance. Instead, you’ll need holiday home insurance to cover the specific risks associated with renting your second home out.

What does home insurance cover?

The specific level of cover depends on the particulars of your insurance policy. Many house insurance policies will offer similar types of protection, while most will also have certain exclusions.