It is likely that your house will be the single largest purchase you ever make, with most people assigning more debt to a mortgage than they would ever dream of taking from any other source.
This means there is a lot to lose, especially if something happens to your house, as your mortgage lender will want to recoup their investment in the building. Home insurance gives you the chance to pay for repairs or rebuilds if necessary.
Similarly, home owner insurance may protect rented accommodation against damage caused by tenants. If you are a landlord building insurance may offer added security for breakages not covered by your tenants' deposits.
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