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What does home insurance cover?

Home insurance protects you from things like fire damage to your home, or theft of your belongings. It'll pay out to replace your property or repair your house if something unforeseen happens. Home insurance comes in two parts, buildings insurance and contents insurance, which can be bought individually or together as a single policy. If it’s something you’d take with you if you moved to a new house, it’s classed as contents. If it would stay behind, it’s probably buildings.

Buildings insurance covers damages to the structure of your home and its permanent fixtures and fittings. This includes things like your windows, flooring, walls and roofs. Garages, sheds and fences may be covered too.

It'll cover you for unexpected damages like fire, storms and floods, but not for damages caused by poor workmanship or general wear and tear.

Each insurer covers risks to your home differently, so check you’ve got the cover you need on the policy you choose. Look at how insurers treat fallen trees, leaking roofs or damp, for example.

Key points

Imagine turning your house upside down and rattling it - the things that don't move are classed as buildings
Most mortgage providers expect you to have buildings insurance
If you're renting, you don't need it

Contents insurance covers you for the loss, theft or damage of your personal possessions and valuables. This includes things like your furniture, kitchen appliances, electricals, clothes, jewellery and ornaments.

Exact cover can vary so it's worth checking your policy. You may not be covered for accidental damage for example.

Single items are only covered up to a certain amount. You'll see this called a 'single item limit', and it's usually AED1,000.

That means if the cost of your claim for one item exceeds the limit, you'll usually have to cover the remaining cost yourself.

If you have items worth more than the single item limit, list them separately on your policy to have cover for their full value. Things like jewellery, mobile phones and bicycles generally need listing separately on your policy.

Key points

For your possessions, not the building
Usually provides cover against fire, storms or floods, theft and vandalism
Accidental damage cover is sometimes included or can be added at an extra cost
High value items need to be insured separately

A combined buildings and contents insurance policy covers the structure of your home and your belongings.

If you need both, then taking out one policy with the same provider usually works out cheaper.

It can make things simpler if you need to make a claim too. For example, if there’s a fire it’ll be far easier reporting it all to one insurer instead of two.

Key points

Protects your home and its contents
Can be cheaper than taking out separate policies
You won’t need this if you're renting, just contents insurance

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What does home insurance cover?

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