Help Centre / What is the difference between buildings insurance and home insurance?

What is the difference between buildings insurance and home insurance?

Home Insurance Overview

Home insurance is an umbrella term that encapsulates the comprehensive coverage of both buildings insurance and contents insurance. It provides a complete safeguard for your property and belongings, offering protection against a wide variety of dangers and risks.

Buildings Insurance Focus

Buildings insurance, a crucial component of home insurance, specifically concentrates on safeguarding the physical structure of your home. This includes coverage for the foundation, walls, roof, floors, doors, windows, and permanent fixtures. In essence, it shields the very framework that makes up your property.

Distinguishing Features

While home insurance incorporates both buildings and contents coverage, buildings insurance specifically attends to the structural aspects of your residence. It ensures financial protection against potential damages caused by events such as fire, flooding, subsidence, and structural collapse.

Why Both Matter

Understanding the distinction between buildings insurance and home insurance is vital for homeowners. While buildings insurance is fundamental for protecting the physical integrity of your home, contents insurance, as part of home insurance, ensures coverage for personal belongings within the property, including furniture, electronics, and valuables.

Comprehensive Protection

Opting for home insurance provides a well-rounded shield, offering a comprehensive layer of protection for both the structure of your home and its contents. This dual coverage ensures peace of mind, knowing that your investment and possessions are safeguarded against unexpected events.


By grasping the nuanced difference between buildings insurance and home insurance, homeowners can make informed decisions, tailoring their coverage to suit the unique needs of their property and belongings.

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