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Home insurance has two parts, of which you can choose one or both depending on your needs.
The first part is building cover and it protects your home in the event of a fire and damage. The second is contents insurance and it protects your belongings in the event of theft, loss and damage.
To protect their investment, having buildings cover in place is usually a requirement for most mortgage lenders. If you are renting, although you probably won’t need buildings cover, it’s worth considering having contents insurance in case something is lost or stolen and you need a replacement.