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What is 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 Home Insurance?

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 Home Insurance 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.

What’s Covered in Home Insurance?

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 needs, you might want to consider optional extras such as:

Get the right cover for your home

At Insurably, we work with hundreds of insurers to ensure that, no matter your circumstances, we’ll help you find the right home cover at the right price.

Start your quote online today and rest easy knowing that your home and everything in it is protected.

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  • Small local office, no call centres.
  • Experienced, knowledgeable staff.
  • We keep it simple—no jargon, just clear and honest advice.

What does Home Insurance cover?

  • Personal Liability Cover
  • Property Damage
  • Alternative Accommodation

What's Covered?

What's Not Covered?

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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.
Emily Turner Managing Director | Turner Consultants

25+

years of experience in home insurance

100+

insurer markets accessed

100%

confidence in property protection

Frequently Asked Questions

Home Insurance protects your property and belongings from unexpected events such as fire, theft, storms, and water damage. It typically includes buildings insurance, contents insurance, or both.
Typical cover includes:
  • Buildings Insurance – Covers the structure of your home against damage from fire, flood, or storm.
  • Contents Insurance – Protects furniture, appliances, clothing, and personal items against damage or theft.
  • Personal Liability – Covers legal fees and compensation if someone is injured in your home.
  • Alternative Accommodation – Pays for temporary housing if your home becomes uninhabitable due to an insured event.
  • Accidental Damage – Optional cover for one-off mishaps, like a smashed TV or spilled wine on the carpet.
It's not a legal requirement, but it's highly recommended. Without insurance, you'd have to pay out of pocket to rebuild your home or replace your belongings if disaster strikes.
Yes, most mortgage lenders require you to have buildings insurance in place as a condition of the loan, to protect the value of the property.
The cost depends on a range of factors, including:
  • The rebuild cost of your home.
  • The value of your contents.
  • Property location and security features.
  • Optional extras such as accidental damage or home emergency cover.
  • Your claims history.
You can start your quote online with Insurably or speak to our friendly team. We’ll compare policies from a wide range of insurers to help you find the cover that suits your home and budget.