Guide to home buildings and contents insurance - April 2012

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The Association of British Insurers (ABI) has written this independent guide to help you find out whether you are properly insured and to explain what you need to know when you are choosing a buildings or contents insurance policy for your home.

Home insurance is changing. Most people now buy their home insurance online, either through a price comparison website or direct from an insurer. The market is very competitive and insurers are working hard to provide their customers with the products that they want and need at the best possible price. They have also developed some optional extra products, cover and services to provide alongside the ‘basic' or ‘standard' home insurance product.

This leaflet explains both what you can expect in your standard cover and the extra cover you might have to pay more for. When choosing home insurance you should think about the cover you are getting. It's not only the price that can vary from insurer to insurer and policy to policy - quality of cover can vary too. You may also want to think about the claims service insurers provide, and ask friends and family whether they have had a good experience with their insurer, especially when making a claim.