If the house is rented, then buildings insurance will be the responsibility of your landlord, but you will need contents cover to protect your possessions.
You can reduce the cost of home insurance by taking out a combined buildings and contents insurance policy with an insurer that offers a discount if you buy both types from them.
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Contents insurance provides protection for your valuables and covers your home contents against loss or damage.
Buildings insurance however provides cover for the structural parts of your home and covers the cost of repairs or rebuilding work.
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Insurance for your home includes contents insurance and buildings insurance, so that your belongings and your bricks and mortar are protected against fire, flooding, storm damage and theft When applying for home contents and buildings insurance, you will need the following information: Finding the right house insurance policy for your home depends on whether you own or rent a property.
If you have a mortgage, your bank or building society will require you to have buildings insurance.
The amount of content cover you need will be based on the total value of your contents within your home.
When running a quote, you might find it helpful to work out the value of the contents of each room in turn before adding them together for your grand total.