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Is building insurance the same as home insurance?
I am about to buy my first house and am trying to figure out my insurance needs. I keep hearing about home insurance, but I also know there’s something called building insurance. Is there a difference? Is building insurance the same as home insurance?
Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Good question! Building insurance is usually a part of home insurance, although it can also be purchased separately.
Building insurance covers the physical structure of the house, along with fixtures in the bathroom and kitchen. This is just part of what most home insurance policies cover.
Homeowners insurance
usually also includes:- Contents insurance: This covers your personal possessions.
- Liability insurance: This pays for legal expenses if someone is hurt on your property.
- Loss of use insurance: If you’re displaced after a covered peril damages your home, this will pay for your expenses.
It’s usually recommended to get a full home insurance policy over just building insurance—it could save you tens of thousands of dollars (if not more) after an accident.
If you want help finding the best homeowners insurance policy for your needs, you should download
Jerry
. Jerry is a licensed insurance broker that makes comparison shopping simple—a few minutes on the app is all you need to get great coverage at a low price. Plus, Jerry helps you with your paperwork when you’re ready to sign-up for your new policy.View full answer
- Gregory R.
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