Buildings insurance covers the cost of repairing damage to the structure of your property. Garages, sheds and fences are also covered, as well as the cost of replacing items such as pipes, cables and drains. Your insurance should cover the full cost of rebuilding your house.

Contents insurance is a type of home insurance that financially protects the possessions in your property. It could cover the cost of replacing them if they’re stolen, destroyed or damaged.

Contents policies protect your belongings from unexpected events outside your control such as fire, theft, storms, floods and water leaks.

It’s different from buildings insurance, which covers the fabric of your home – for example, the walls, floors and roof as well as permanent fixtures and fittings.

Contents insurance can be bought separately or combined with buildings insurance as part of a home insurance policy – if you own your home.

Landlord insurance is home insurance designed for rental properties. It could offer landlords more protection than standard home insurance. Also known as buy-to-let, property rental insurance or rental house insurance, landlord cover could give you financial protection if the building – or its contents – is damaged.

As with home insurance, landlord home insurance covers your rental property from fire, flooding, burst pipes and storms.