Best Home Insurance

If you have a mortgage, you usually need buildings insurance as a condition of the loan. If you own your home outright, it's not a legal requirement. But it's highly recommended as you'll be protected from the cost of repairing or rebuilding after events like fire, flood or storms. If you rent your home, your landlord is responsible for buildings insurance but you'll be responsible for buying the contents insurance.

Home insurance typically protects the structure of the building and depending on your policy, the contents inside it. It usually provides cover for events like flooding, fires or theft. Depending on your policy, you can also buy additional protection for accidental damage.

No, home insurance isn't the same as building insurance. Home insurance provides protection for your home's structure and contents, building insurance only covers the structure. A landlord might buy building insurance for a property they rent out, while their tenants are responsible for buying contents insurance to protect their personal belongings and appliances.