There are two types of household insurance – buildings and contents. They are separate entities but can normally be bought together, usually with a discount applied to the monthly premium.

Contents Insurance covers the loss of or damage to the contents of your home. This includes your furniture, electrical goods and other items within your home. Some policies cover you for items you take outside, for example cameras, jewellery and briefcases.

Different policies offer different levels of cover but generally you'll be covered against theft and fire, and have the option to insure against damage you may cause by accident. There’s a variety of options and things to consider, including the specific level of contents insurance you require which varies from one person to the next. Our advisers will talk you through your options, ensuring we tailor the right policy to you and your home.