You Were Robbed! Now What? It is amazing that more and more people who obtain homeowners insurance somehow feel that they are able to get on perfectly without both house and contents insurance. Sure, coverage for your home is usually a component of the mortgage agreement, but just because you usually are not necessary to carry contents insurance does not imply that you should leave your precious belongings for the whims of nature and human malice. Fire, flood, tornado, and theft can all resulted in loss in expensive merchandise and sentimental treasures and tragedy is undoubtedly no respecter of persons. The only way to have true security and reassurance is always to make certain you have both varieties of coverage. Contents insurance and Buildings insurance are the basic kinds of home policies you will find. If you are looking to get a property, have a much to acquire Buildings insurance. It is your mortgage providers fail-safe home insurance quote for their investment in your own home. If you are renting you dont need to consider Buildings insurance and contents insurance for both home owners and renters would be the same and covers whatever isnt fixed on the building. However, wedding party expense that typically is not claimed back is medical insurance. There is quite a lot of misinformation relating to this on the net, largely because many of the internet advice sites reference the US system, which you could claim for health care insurance, and not the UK system, where you cannot claim it back. One of the main reasons self-employed people cannot claim medical health insurance like a business expense in the UK happens because its not viewed as important to running the business. November 2009 saw what American news called biblical flooding in Britain, and also the city of Cockermouth in Cumbria saw military helicopters fly directly into rescue the stranded off their homes. Hundreds of homes were severely damaged, and cars were swept away from the sheer force in the water pouring from the streets. Im sure the residents of Cockermouth had other activities on the minds during the time, but I only hope those affected were sufficiently paid by their insurance coverage. Secondly there is a contents insurance. For homeowners this really is rarely compulsory although a lot of rental companies insist upon it. Importantly, this type of policy will handle the contents of the property, specifically any possessions you may have, from electrical appliances right through to jewellery and Faberge eggs. Much like buildings insurance a contents policy will protect your possession from vacation fire and damage, again yet it is imperative that you recognise when you need to be covered for other circumstances, these should be put into the policy.