Home & fire insurance is not for everyone, because the policyholder and building-use requirements must match the policy. This article helps you check whether your home and status qualify.
Homes worth considering
- Detached houses: personal residences with high building and contents value.
- Townhomes: similar residences but attached structures — check conditions with the insurer.
- Homes with high-value contents: many furnishings, appliances, or valuables need sufficient contents cover.
Who can buy it
From the sample quote documents, the policyholder must:
- Own the property: not a tenant.
- Use it as a personal residence: the insured property must be for residence, not commercial use.
What doesn't fit the basic plans
These two plans suit personal residences, not commercial buildings, shops, warehouses, or commercial-use property. Ask our team about other suitable products if your property falls into those categories.
What to prepare before requesting a quote
- Type and characteristics of the residence
- Estimated building and contents value
- Property ownership status
Not sure if your home qualifies? Send your details via the home insurance page.
Summary
Home & fire insurance suits personal-residence owners, whether detached houses or townhomes — especially homes with high-value contents. Tenants and commercial property may need other products. See the plans on the comparison page.