Insurance is a financial product provided by insurance companies to protect you and/or your personal property against the risk of loss, damage or theft. There are many different types of insurance available today; some types are compulsory, such as house insurance if you have a mortgage on your home. Here are some of the most popular policies explained. Home Insurance Home insurance, also known as property or buildings insurance, is essential if you own a home. This type of insurance covers you for damage to your house caused by risks such as fires and floods. Most home insurance policies cover your main dwelling and any lockable outbuildings.
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