A home and its contents are the most valuable things that most people will ever own.
To protect them, you can take out Home and Contents insurance.
This allows you to pay an affordable premium each year so that, if your home is damaged or destroyed, the insurance company will give you the money to replace what you lost.
Home and contents insurance often come bundled as a package but they are actually two separate polices.
Home insurance covers the cost of damage to your home, while Contents insurance covers damage to your possessions.
It is important to know exactly what an insurance policy covers as it varies between companies.
For instance some policies insure your home against flood but some do not.
You can find this out on the key factsheet for the product which will be on your insurer’s website, or you can ask them to send you a copy.