Home insurance comes in two parts, buildings insurance and contents insurance, which can be bought separately or together from the same provider. Buildings insurance offers protection for the permanent structures in your home such as the roof, walls, floors, bathroom fittings and ceilings. External structures and installations like garages, pools, sheds and fences may also be covered. Contents insurance is designed to protect your belongings. If it’s something you’d take with you if you moved to a new house, it’s classed as contents. As a general rule, your contents are the things that you’d take with you if you moved to a new house. This includes things such as your furniture, your TV, other electronic equipment and home gadgets, any electrical items, your kitchenware, clothes and jewellery, and any soft furnishings such as cushions and curtains. The homeowner determines the amount for this coverage, but when you file a claim for personal property, the insurance company may require proof of ownership and value.