Standard home insurance in the UK is split into buildings and contents cover. Buildings insurance covers the physical structure of your home—including walls, roof, permanent fixtures, and fitted kitchens—against perils like fire, storm damage, flooding, subsidence, and vandalism. Contents insurance covers movable household possessions—such as furniture, electronics, and clothing—against theft, fire, and accidental damage inside the home, with optional extensions available for personal items taken away from the property.
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