Two main types of home content covers to choose from - ‘new for old’ and indemnity cover.

• This is a type of insurance policy that provides financial protection for household items.
• Covers the cost of replacing or repairing personal possessions.
• Covers a range of perils like fire, theft, earthquakes, and vandalism.
• Does not cover damage due to normal wear and tear or ageing of belongings.

This type of insurance covers the physical structure of your property.

• Protects against damage to the building caused by specified perils.
• Includes coverage for rebuilding or repairs.
• Recommended for owners of a house or condominium.
• Does not cover high-risk activities such as a home-based business.

A combined package policy that covers the structure of your home and your belongings.

• Designed to protect homeowners and renters from financial loss.
• Is based on the cost of rebuilding your property and replacing your belongings.
• Helps you get a mortgage.
• Protects you financially if someone sues you after being injured on your property.

A home insurance policy to cover your secondary property.

• Covers your second property, even if it's abroad.
• Allows you to leave it empty for extended periods.
• Allows you to leave it empty for extended periods.
• Includes employer liability if you rent it out and employ anyone like cleaners.

Covers your home if it's left empty for 30 days or longer.

• Covers a vacant property for between three, six, nine, or 12 months, with the option to extend.
• Provides protection against storm damage, fires, flooding, etc.
• Cost is calculated based on why the house is vacant and the value of the property.
• Does not cover damage caused by contractors.