Many insurance companies will offer a wide range of policies each of which will their own conditions and exclusion. It’s up to you as the consumer to pick your through the small print, at the end of the day the insurer will do everything in their power to avoid paying out on a claim.
As a homeowner there are two types of insurance you can take out that will give you complete piece of mind, they are, buildings insurance and contents insurance. These two types of insurance policies can be bought separately or combined in one joint policy.
Most insurers will offer you the choose of paying your insurance premium monthly of annually. With a monthly option it’s likely that you will be charged extra for spreading the payments.