Buildings and contents insurance combines two of the most popular types of home insurance into a single policy. Each can be bought separately, but you can save money if you combine them.
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The policy itself will be slightly more complex than individual policies as it will have to take into account both sets of requirements. For instance, you need to make sure that it gives enough cover to rebuild your home at the same time as fully covering your possessions.
The best way to assess whether a combined policy is right for you is to compare the levels of cover and total premiums like for like against the individual policies.
Whether to take a combined policy is a matter of choice for the homeowner but it is seen by some as a more convenient and perhaps cheaper method of cover than individual policies although adequate cover should always be the main purpose of selecting home insurance.
Buildings & contents insurance top tips
If you don't own the home and are renting you will not need to consider a combined buildings and contents policy
Make sure that you pay full attention to renewal reminders if you have a combined policy as you risk being completely uninsured if you forget
Make sure that both sides of the policy, home and buildings, give good value and cover