House and Contents Insurance - Building vs. Contents - Insurance

You need to know the differences and overlays when it comes to house and contents insurance before making the decision whether you need one or both of these coverage. Where building or house insurance is a prerequisite to financing a home, as it protects the structure itself as well as the property, contents is the protection of the belongings within the home, and is not mandatory in any way. So they are basically two sides of the same coin when it comes to personal and liability protection, building for your house, and contents for your possessions.

Building Insurance

Think of everything that is built as part of the home, or attached in some way, to be protected against damage by a house insurance. This includes the land and any other buildings that may be on the property, dependent on your policy. Some things within the home are also covered by certain companies providing insurance policies, such as sinks, bathtubs, and kitchen fittings. You should check with your insurance company to see if these things are covered by your building insurance policy. If they are, it may create and overlap between your house and contents insurance policies. This could allow you to remove the value of the items covered by your house insurance from your contents insurance coverage amount, thus, saving you money on your overall premiums for your house and contents insurance.

Contents Insurance

Now, everything that can be moved freely within the home, or taken out, is protected from damage or theft by contents insurance. This means all your personal belongings such as TV's, computers, furniture, clothing, and even food may be covered by contents insurance. Contents insurance policies can even cover items you lose outside your home, or items stolen or lost when you are away from home. Be sure to check with your insurance provider for all the included and extra options so you can achieve the level of protection you need and want with your house and contents insurance policies. The value of all your possessions combined can add up to a sum, higher than you may think it to, making contents insurance an important albeit optional insurance policy.


It is possible to get a quite sizable discount when purchasing house and contents insurance at the same time, from the same company. If you are renewing your building insurance coverage, remember to keep this in mind.

Tips and Suggestions:

Always accurately calculate the value of your possessions. This allows you to get the appropriate coverage for your contents insurance policy.

For house and contents insurance, be sure to have a professional surveyor come out to your property to alert you of any risk factors your insurance company needs to know. Without knowing all your risks, your policy provider may not protect you from all types of damage your house and possessions may receive.

It is a good idea to protect your investments as well as your way of life by buying both house and contents insurance. After all, it is the sum of all your wealth!!

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