Residential Home
Insurance
What is Residential Home Insurance?
Home Insurance protects homeowners from financial losses related to their property and belongings. Whether you own your home outright or have a mortgage, home insurance ensures you’re covered against unexpected events like fire, theft, or accidental damage.
For homeowners, first-time buyers, and families, Home Insurance provides peace of mind and vital protection against life’s surprises.
Who Needs This?
If you own a home, having the right insurance in place is essential. This includes:
- Homeowners – Whether it's your main residence or a second home.
- First-Time Buyers – Protect your new investment from day one.
- Mortgage Holders – Often a requirement by your lender.
- High-Value Homeowners – Cover for buildings and contents with higher replacement values.
- Second Homeowners – Cover for properties you use occasionally or seasonally.
Why is it Important?
Without home insurance, you could face serious financial consequences if something goes wrong. It protects you from major risks such as fire, theft, flooding, and legal liabilities.
Common risks that Home Insurance protects against include:
- Property Damage – Covers damage from fires, floods, storms, and accidental damage.
- Theft or Burglary – Protection for stolen belongings or forced entry damage.
- Liability Claims – Covers legal and compensation costs if someone is injured in your home.
- Alternative Accommodation – Pays for somewhere to stay if your home becomes uninhabitable.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
Home Insurance policies typically include:
- Buildings Insurance – Covers the structure of your home against damage.
- Contents Insurance – Protects your furniture, appliances, and personal possessions.
- Personal Liability – Protection if someone is injured on your property and you’re found responsible.
- Accidental Damage (optional) – Extra cover for mishaps like spilled wine on carpets or broken windows.
What's Not Covered
- General wear and tear or maintenance issues.
- Neglecting to secure your home (e.g. unlocked doors).
- Deliberate damage or fraud.
Additional Cover You May Need
Depending on your business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does Residential Home cover you for?
Understanding what home insurance cover you actually need can be confusing—especially with so many options available. Insurably® focuses on clear, honest guidance to help you choose the right level of protection for your situation, without the pressure of a hard sell.
2,905
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100+
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confidence in business protection
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