Property insurance protects specified buildings or contents against covered events. The declared property, valuation basis and insured risks matter.
What cover may include
- Fire and other named risks
- Buildings or contents listed in the policy
- Separate or optional extensions, where agreed
What to compare
- Correct asset values and sum insured
- Covered risks and deductibles
- Whether contents and valuables are included
A useful starting point
Home, shop and business needs differ. Underinsurance can affect a claim; do not assume every item or event is included in a general property policy.
This is an introduction. Actual benefits, limits and exclusions depend on the chosen policy and insurer.