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Home insurance is a type of insurance designed to protect you financially if your property or possessions are damaged by unexpected events such as fire, theft, flooding, or accidental damage. It typically includes two key types of cover:
Buildings insurance – protects the structure of your home, including walls, roof, and permanent fixtures.
Contents insurance – covers your personal possessions inside the property.
While buildings insurance is often required by mortgage lenders, contents insurance is optional but highly recommended. Together, they ensure that if something goes wrong, you won’t face the full financial burden or added stress of repairing or replacing your home or possessions alone.
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