Hastings Direct — Car, Van, Bike & Home Insurance

Types of home insurance

House and contents cover from Hastings Direct

Home insurance protects the building you live in from theft and damage caused by fire and flood.

Having your home and possessions destroyed by fire or flood would be devastating – but it would be worse if you didn't have protection in place. Home and contents insurance relieve the financial burden by covering the cost of repairing your home and replacing your possessions if the worst should happen.

If you've got a mortgage, your provider might have insisted you take out buildings insurance as part of the loan conditions. But you can still choose to extend your cover to protect your contents against damage and theft, too.

If you're a tenant living in a rented property, buildings insurance is usually your landlord's responsibility. But if you want the added protection of contents insurance, you'll need to arrange it.

Types of home insurance

› Buildings insurance only

Along with the bricks and mortar of your home, building insurance covers permanent structures within your home (such as bath tubs and fitted kitchens), and outbuildings (including extensions, sheds, conservatories and garages). Your home will be protected from loss or damage caused by:

  • Fire, smoke or explosions
  • Extreme weather such as storms, lightning and flooding
  • Natural disasters including earthquakes
  • Theft
  • Escape of water or oil
  • Malicious persons and rioting
  • Subsidence
  • Collision by vehicles or animals
  • Falling trees
  • Collapse of aerials or satellite dishes.

› Contents only

Contents insurance covers the belongings in your home which aren't part of the structure of the building such as beds, sofas, curtains, televisions, computers and kitchen appliances – even the contents of your freezer are covered. Your belongings will be protected from loss or damage caused by:

  • Fire, smoke or explosions
  • Theft and attempted theft
  • Vandalism
  • Severe weather such as storms, lightning and flooding
  • Natural disasters including earthquakes
  • Falling trees
  • Leaks from heating or water fixtures.

› Buildings and contents

If you're interested in both types of cover, then you can take out combined buildings and contents insurance. The main benefits of a joint policy are that it's easier to manage, plus it could save you money.

Insure your home with Hastings Direct

We can offer you home cover for a price that won't break the bank. Get your home insurance quote today and see how much you could save.

Home insurance

Our refreshingly straightforward home insurance is Defaqto 5 Star rated, so you can be sure you're getting a great product. Plus you can choose from a great range of optional extras.

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