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Buildings insurance provides coverage for the expenses associated with repairing damage to your property's structure. This encompasses aspects such as the roof, walls, and floors, along with permanent installations and fixtures, including windows and built-in kitchens.
Contents insurance compensates for the expenses to replace or repair your items that are damaged, destroyed, or stolen. Picture turning your house upside down - anything that would fall out is considered contents.
You can obtain both buildings and contents insurance together from the same provider under a single policy. This approach can simplify the claims process if you need to file one and often proves to be more cost-effective than purchasing separate policies.
Home insurance typically serves as a safeguard for your property and possessions, offering financial protection against a range of potential risks and unforeseen events. Here’s a breakdown of what home insurance usually covers:
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