There is nothing in your life more valuable than the home you make for your family and yourself. Home insurance protects you against damage to that home and pays out so that if the worst happens you can put the damage right.

Homeowners in the UK are required by their mortgage company to take out a home insurance policy when purchasing a property. A typical policy will cover not only the house but also the garage (if there is one) and any other structures on the property such as a garden shed and the contents. An ‘all-risk’ insurance policy usually covers your personal belongings, furniture, clothing and appliances against fire and theft but there are some exclusions as well. There is also a part of the insurance for covering the cost of living elsewhere if your home was destroyed and you were unable to live in it.

• Always Read your insurance policy through and ask your company if there's anything you don't understand.
• Make a list of your property items and take a photo of them too. Be sure to keep the list and photos at a different address in case of fire of water damage.
• Keep an eye on the value of your items and increase the insured amount on them if neccessary.
• Every year review your policy to ensure that you are getting the best deal for your situation.
• Possibly contact you local fire station for advice about improving saftey in and around your home.