Protecting your home with combined Buildings and home Contents insurance does not have to work out expensive if you look around and select your buildings policyowner with care. You could take home Contents and Buildings together - ie combined home insurance - or select to buy buildings insurance independently of each other. So what does the cover do? Contents insurance pays for loss or damage to your belongings (furnishings, clothing, TV's - everything that is movable inside the property) buildings insurance covers the shell of your home, fixed features such as bathroom or kitchen and fences, walls,out buildings (and often sheds and greenhouses and garage buildings) are covered by a Buildings Policy. So, with cover for the shell of your home, and a policyowner for the Contents, you would have peace of mind that if damage occurred to the Buildingthrough fire, subsidence, floodwater or any of the criteria set out in the policy's terms and conditions, you would not lose out financially. A combined Buildings and Contents insurance policy allows you peace if mind that if disaster struck, you would not have to find the money needed to pay for replacement or Building repairs yourself. So, how do you get cheaper home insurance? there's several ways , check out the list below to get quotes from over 80 different insurance market leaders.Get online quotes and save £ £ £. If you elect to pay more on the excess, you can often save money on the amount you have to pay for Contents premiums.