Home insurance

Home insurance is a general term used to describe two different types of insurance:

Buildings insurance- for permanent fixtures and fittings, like kitchens and bathrooms, roof and floors.

Contents insurance – for things you keep in your home, like furniture, TVs, personal belongings and some types of flooring including carpets.

You can normally buy both types of insurance separately, or in many cases, you can get them as a joint policy from one insurance company. If you’re a homeowner, you’ll need to have buildings cover in case your home is damaged and in need of repair. It’s usually a condition of your mortgage and, if you’re a landlord, it’s your responsibility not your tenants.

Building insurance – what it doesn’t cover

You won’t be covered for general wear and tear and each policy will have its own exclusions. These often include damage caused by:

•leaking gutters

•frost (unless it causes damage from a burst pipe)

•insects, birds and pests

•storm damage to gates and fences

You can’t normally claim for loss or damage which happens whilst your property has been left unoccupied for more than 30 or 60 days. Many insurers will let you arrange cover if you let them know in advance.

Convictedhomeinsurance.co.uk is a website designed to offer impartial advice to be people with convictions and help them insure their property. We offer a confidential service and will do our best to find an affordable policy with the right level of cover.

Our sister site convictedcarinsurance.co.uk helps find convicted driver insurance for offences such as drink driving, uninsured driving and reckless/dangerous driving.