Customer service residential insurance

There is no difference between home insurance and building insurance. Both terms mean the same thing, but insurers sometimes use them interchangeably, which can cause confusion.

Home or building insurance covers damage to everything fixed to your home, such as walls, ceilings, pipes, the roof and built-in kitchen. So with this insurance, you are protected against damage to the fixed parts of your home.

A thatched roof gives your home a characterful look but also carries more risks than a tiled roof, such as a greater chance of fire or storm damage. If a fire breaks out and part of your home is lost, the repair or rebuilding costs can be substantial. Fortunately, you can easily cover these risks and properly protect your home with a good home insurance policy.

Solar panels can be insured in two ways, depending on how they are attached.

1. Fixed to the roof mounted solar panels
Are the solar panels attached to the roof, such as screwed or anchored? Then they are a fixed part of your home and are covered by the building insurance.

2. Loose solar panels (e.g. on a flat roof)
Are the panels not fixed, but laid loose on a flat roof? Then they are not considered part of the home. In that case, they fall under the contents insurance. Note: different conditions may apply because the panels are outside the home. Always check this in your insurer's policy conditions.